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Farmers & Merchants Bank

Checking

Small Business Checking

Perfectly structured to suit small business, this is the right account if you have 100 or fewer transactions a month. We'll even throw in a zippered bank bag and your first order of deposit tickets to get you going.

  • $75 minimum opening balance
  • No service fee if less than 100 debit transactions per month and receive e-statements
  • $0.25 will be charged for every debit transaction over 100 per month
  • $3 return item fee and overdraft fees still apply
  • Paper statement - $3.00. No paper statement fee if maintain minimum daily balance of $5,000
  • No charge for 1st zippered bag, then $5 for each additional bag. Lock bags are an additional $20
  • Business ATM/Debit Card - no charge for 1st card or stolen card. $10 fee for lost or damaged card
  • Positive Pay Available

Commercial Business Checking

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.

  • $75 minimum opening balance
  • Designed for high volume user
  • $4 service fee per month, $0.10 per debit item
  • $3 return item fee
  • $0.10 credit applied against service fees for every $100 on deposit at the time of lowest monthly balance
  • No charge for 1st zippered bag, then $5 for each additional bag. Lock bags are an additional $20
  • Business ATM/Debit Card - no charge for 1st card or stolen card. $10 fee for lost or damaged card
  • Positive Pay Available

Business Checking with Interest

This account has a tiered interest-bearing structure. You’ll earn interest on balances of $10,000 and up. With each tier, your annual percentage yield is higher.

  • $75 minimum opening balance
  • Tiered interest-bearing structure on balances of $10,000 and up. With each tier, the annual percentage yield is higher
  • $4 monthly service charge
  • $0.10 per debit item fee
  • $3 return item fee
  • Business ATM/Debit Card - no charge for 1st card or stolen card. $10 fee for lost or damaged card
  • Positive Pay Available

Bronze Checking (Non-Profit)

The perfect account for charitable, religious, educational or other tax-exempt organizations, associations and clubs that qualify.

  • Must present current/valid 501(c) documentation issued by the IRS
  • $300 minimum opening balance
  • $3.00 service charge if balance falls below $300 on any day of the statement
  • Business ATM/Debit Card - no charge for 1st card or stolen card. $10 fee for lost or damaged card
  • Positive Pay Available

Me Banking Convenience

All of our business accounts come with a full range of convenient services and features, at no additional charge:

  • Business Online Banking
  • E-Statements
  • Unlimited Debit Card Usage
  • Business Bill Pay
  • Secure Alerts
  • Card Care Center for Debit Cardholders
  • Manage My Cards for Me Banking Debit Cards
  • Apple, Google, and Samsung Pay Compatibility

Control freak?

We get it. Controlling business credit card transactions can be, well, a nightmare. We prefer an easier night's rest.