Business Services

Commercial Business Checking

• Minimum opening balance $200
• No minimum balance requirement
• Free zip bag
• $13.50/month service fee, $0.15 per debit and $0.15 per deposited check, $0.15 per ACH Debit, $0.15 per ACH Credit
• $2.00 monthly service fee for Paper Statements
• No service charge is made to the account during the month unless the credit allowance is insufficient to cover the costs.
• A credit allowance is made to the account based on the average collected balance less 10% reserve requirements and 3% FDIC and other charges times Farmers and Merchants Bank money market rate of interest which was current on the first banking day of the calendar month.
• $10.50 per item charge will be assessed on all return items.

Small Business Checking

• Minimum opening balance $200
• No minimum balance requirement
• $10.00 monthly service fee if balance falls below $500
• $0.50 per debit over 200 combined total with deposited checks
• $2.00 monthly service fee for Paper Statements
• $10.50 per each return item will be assessed on all return items

NOW Non-Personal Checking

• Minimum opening balance $1500
• + Earns current FMB Now account Rate on tiered balance compounded and paid monthly when a daily collected balance of $1,500 is maintained
• No Interest paid if balance falls below $1,500
• $12.00 monthly fee if balance falls below $20,000
• $0.50 per check fee after 100 items
• $10.50 per each return item will be assessed on all return items

+The FMBenefits, FMB Money Market, and FMB NOW account interest rates vary. Please call or come by the FMB location nearest you to get the latest rates and information.