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Personal/Small Business
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Business Banking

We're here for your business. From lending to saving for retirement, we can help tailor our products to fit your business needs.


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

Credit Card Tools & Resources

Learn more about Rewards and Monitor your Points
View your Credit Card Statement Online
Report a lost or stolen card

Contact your local branch and a Loan Officer will be happy to help with your Commercial Lending needs.


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 the way you want to. For sole proprietors, the easiest part is banking - at least when you have this business checking account. It features an 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 above 50) and, as long as you keep a balance of at least $500, it’s all free! ($10 service fee if balance falls below $500 any day of the statement cycle. $75 minimum opening deposit.) Relax, sole proprietors: controlling your financial costs just got easier. (Available to sole proprietors only.)

F&M Business Checking

Business checking for everyone else! With a minimum opening deposit of just $75, you'll get an ATM/debit card, a bank zip bag for only $5, and the opportunity to order deposit slips at a 25% discount. This account features a 10-cent credit back for every $100 on deposit at the time of your lowest monthly balance (applied against service fees). Service fees include a $4 per month, 10 cents per check and $1 item fee per returned deposited check.

F&M Money Market Account

This account offers you a place to grow your money with interest. Best of all, there’s no service fee as long your balance stays at or above $2,500 (service fee of $10 if balance falls below $2,500). You’re also allowed six withdrawals per month. Both personal & business accounts are available.

Wealth Builder Money Market Account

Grow your money in a safe place. Get a great rate, comparable to CD’s, and still have access to your money. This account features six pre-authorized transfers per month (three by check, draft or similar order) and a two-tiered interest rate. Keeping a balance of $5,000 or more earns you the higher interest rate. You also get a free ATM/debit card. Plus, it’s all free as long as you keep a minimum balance of $2,500. So stop worrying about growing your money because, you're safe and saving with this account! (Available for personal and business accounts.)


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.



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.


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.

*Please refer to our Services page or contact your F&M Bank representative for complete details about our overdraft privilege program.