Show Online Banking Logon

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.

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

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.

Checking

Commercial checking accounts can get complicated, but they don’t have to be. What’s important to you is the bottom line and whether your account is working as hard as you do. That’s what you’ll find here. We’ve simplified the decision making by offering three distinctly different accounts.

All come with a full range of convenient electronic banking features and can be opened with just $75 to start . Our banking experts will explore the options with you to help you make the best choice possible for your business model. 


 

Business One

For Sole Proprietors only, and perfectly structured to suit small business. If you have 500 or fewer transactions a month, keep a minimum daily balance of $500 or more, and get your statement on line, you’ll avoid fees ($3.00 return item fee and overdraft fees still apply). We’ll even throw in a zippered bank bag and your first order of deposit tickets to get you going. $5 monthly service fee if daily balance falls below $500. $3.00 fee for mailed paper statement. $500 overdraft privilege** if approved.

Me Banking Business

This account is designed for the higher volume user. It carries a low monthly service fee and a small per check fee, but you can earn credit back based on your monthly balance. Here’s how it works:

• Get 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 $4 per month, 10 cents per check and $3 item fee per returned deposited check.
• A bank zip bag is only $5.

Business Checking with Interest

This account has a tiered interest-bearing structure. There is a $4 monthly service charge, and a $.10 per debit item fee. You’ll earn interest on balances of $10,000 and up. With each tier, your annual percentage yield is higher. Your account representative will be happy to tell you the latest interest rate information.

Business Savings Accounts

SEP IRA-Simplified Employee Pension Plan

If you’re self-employed or own 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.

SIMPLE IRA : Savings Incentive Match Plan for Employees

This is a small-business retirement plan in which employees and employer may make pre-tax contributions and receive matching employee contributions.

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.

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