Business Checking & Savings

Simply Free Business Checking

Minimum Opening Deposit: $50.00
Unlimited Check Writing
No Per Check Fee
Free - Online Banking and Bill Pay
Free - Online Transfers Between Accounts
Free - Debit Card
Unlimited Debit Card Usage
No Fees at F & M Bank ATMs

Business Interest Checking

Minimum Opening Deposit: $50.00
$1500.00 minimum balance to avoid a monthly maintenance fee of $10.00
Earns Interest on Daily Basis
Interest Compounded and Credited Monthly
Unlimited Check Writing
No Per Check Fee
Free - Online Banking and Bill Pay
Free - Online Transfers Between Accounts
Free - Debit Card
Unlimited Debit Card Usage
No Fees at F & M Bank ATMs

Commercial Checking

Minimum Opening Deposit: $50.00

Monthly Service Charge: $25.00
Unlimited Check Writing

No Per Check Fee
Free - Online Banking and Bill Pay
Free - Online Transfers Between Accounts
Free - Debit Card
Unlimited Debit Card Usage
No Fees at F & M Bank ATMs

Simply Savings

Minimum Opening Deposit: $50.00
Service Charge will be Assessed
Minimum Daily Balance to Avoid Monthly Fee: $50.00
Monthly Service Charge: $5.00
Earns Interest on Daily Basis
Interest Compounded and Credited Monthly
Free - Online Banking and Bill Pay
Free - Online Transfers Between Accounts
Free - Debit Card
Unlimited Debit Card Usage
No Fees at Farmers & Merchants Bank ATMs

Platinum Money Market

Minimum Opening Deposit: $1500.00

Service Charge Assessed

Minimum Daily Balance to Avoid Fee: $1500.00

Service Charge: $15.00

Tiered Interest
Competitive Interest Rates on Balances With a Tiered Account Structure
Interest is Compounded and Credited Monthly
A Monthly Maintenance Fee of $15.00 Will be Imposed if the Daily Balance in the Account Falls Below $1500.00 Any Day of the Month
Monthly Statements
Unlimited Transfers and Withdrawals Made in Person, by Messenger, Mail or at an ATM

Note: If your account becomes inactive for more than 3 years, we may charge your account a dormant fee of $5.00 per month.