Business Banking

Lending

 Commercial Loans

We can handle almost any size business loan. Most importantly, we're small-business friendly because our commercial loan officers have the authority for quick approvals for your commercial project. We can also help you with new or expansion construction and equipment leasing.

Agricultural Loans

Farmers and Merchants Bank has been the area's leader in agricultural loans since 1945. So, we understand the unique business needs of farming. That's why we offer loans and lease programs for: Crop production | Equipment | Land Acquisition | Capital Improvements

Credit Card Services

Visa, Visa Gold & MasterCard

ENJOY: No Hidden Fees, No Balance Transfer Fees, No Cash Advance Fees, No Annual Fees and one of the lowest interest rates around!

Would you like rewards with that? Add ScoreCard Rewards to our Visa, Visa Gold or MasterCard credit cards and get rewards every time you use your card. Learn more about rewards and monitor your points at scorecardrewards.com

View your Credit Card Statement Online | Report a lost or stolen card

Checking

Every business is unique - that's why we will tailor a commercial checking program to meet your specific needs, while delivering low-cost, superior service. You can also choose from one of our standard business checking accounts.

Business One Checking

Owning your own business is a great way to work half a day… the hard part is choosing which 12 hours you want to work! For sole proprietors, the easy part is banking, at least when you have this free business checking account it is. This account gets you a free ATM/debit card, a free bank zip bag, no per item fee on returned deposited checks, up to 50 free debits per statement cycle (10 cents per item after 50), an available $500 in overdraft protection (normal overdraft fees apply), and as long as you keep a balance of $500 or more, it’s all free ($10 service fee if balance falls below $500 any day of the statement cycle)! Rejoice sole proprietors, controlling your financial costs just got easier because this one’s on us! (available to sole proprietors only)

F&M Business Checking

Business checking for everyone else! With this account you get a free ATM/debit card, a bank zip bag for only $3 per bag, and you get to order deposit slips at 3/4 price. This account features a 10 cent credit back for every $100 on deposit at the time of your lowest monthly balance. Service fees include a $4 per month, 10 cents per check and $1 item fee per returned deposited check.

F&M Money Market Account

Want growth and protection? This account offers you a place to grow your money with interest and protect it with an available $500 in overdraft protection (normal overdraft fees apply). Best of all, there’s no service fee as long your balance stays at or above $2500 (service fee of $10 if balance falls below $2500). You’re allowed 6 pre-authorized transfers per month (3 by check, draft or similar order) and you get a free ATM/debit card. With this account you can get the best of both, growth and protection! (available for personal & business accounts)

Wealth Builder Money Market Account

Grow, grow, grow your money… in a safe place that is! Get a great rate, comparable to CD’s, and have access to your money. This account features 6 pre-authorized transfers per month (3 by check, draft or similar order) and a two-tiered interest rate. Keeping a balance of $5,000 or more earns you the highest tier interest rate. You also get a free ATM/debit card. As a matter of fact, it’s all free as long as you keep a minimum balance of $2500 or more. So stop worrying about growing your money because with this account, you’re safe! (available for personal & business accounts)

Savings

F&M Savings

Ben Franklin said “a penny saved is a penny earned”. Guess what, he’s right! And with this account it’s easy because there’s no minimum balance, you get 3 free withdrawals per quarter ($2 service fee if more than 3 withdrawals per quarter), a free ATM card & interest is compounded & earned quarterly. Now, we’ll take care of all that, all you have to do is stash the cash! (available for personal & business accounts)

Tax Benefits

Always consult with your Tax advisor.

SEP IRA (Simplified Employee Pension Plan) 

If you are self-employed or the owner of a small business the SEP IRA might be the right solution for your retirement plans. As an employer, you can make tax-deductible contributions directly into the IRA for all eligible employees. Restrictions apply and certain qualifications must be met. Please consult your accountant or tax professional.

SIMPLE IRA (Savings Incentive Match Plan for Employees) 

This is a small business retirement plan where employees and the employer may make pre-tax contributions and receive matching employee contributions. Restrictions apply and certain qualifications must be met. Please consult your accountant or tax professional.

Services

E-Corp

Got a corporation that needs special attention when it comes to banking? Then you need E-Corp. E-Corp is an online banking solution that offers total management for accounting departments and wire services.

Learn more about enrolling in E-Corp.

E-Merchant

Did someone say convenience? Deposit checks, day or night, and right from your desk. E-Merchant gives your business the ability to prepare and deposit checks electronically, saving your business its two most valuable resources, time and money!

With E-Merchant you can:

• Have your funds available faster.
• Make deposits anytime.
• Save time preparing deposits.
• Consolidate funds from remote locations into one financial institution.
• Cut down on trips to the bank.
• Reduce risk of check fraud.

Watch Tutorial | Contact your local branch to sign up.

ACH Services

ACH services allow you to safely and securely create electronic payments and deposits for your business, which frees you up for other important duties.

With ACH Services you can:

• Have Direct Deposit for payroll
• Make Payments to vendors
• Receive Payments from customers
• Make Federal Tax payments

Contact your local branch to sign up or learn more.

Cash Flow Manger

Our Cash Flow Manager program can give you greater flexibility and more control over your daily money management. See one of our commercial loan officers for details.

Overdraft Privilege

You can get up to $500 worth of coverage based upon qualification.