Free Business Checking1

1Free Checking describes that the account has no monthly service or maintenance fees. Other fees such as non-sufficient funds, overdraft, foreign (Non-F&M Bank) ATM surcharges, etc. may apply. Minimum opening deposit is only $50.

2If transaction items exceed 500 in combined items, account may be moved to Ultimate Business Checking or Business Account Analysis, both of which have a service charge.

3If cash withdrawals and deposits exceed $10,000 per statement cycle, account may be moved to Ultimate Business Checking or Business Account Analysis.

4Customer must qualify for service; there is no charge for activation. A $0.50 per item charge for usage will apply. Not available for Business Account Analysis.

5Other fees such as non-sufficient funds, overdraft, undeliverable mail, etc. may apply. Please refer to our Customer Agreement & Schedule of Charges, Book I & II, for terms and conditions and a complete list of fees and charges that may apply.

6Ask your banker for information on the terms and conditions of these services.

This information is effective 4/1/2021 and subject to change anytime without notice.

Ultimate Business Checking

1If transaction items exceed 750 in combined items, account may be moved to Business Account Analysis.

2If cash withdrawals and deposits exceed $20,000 per statement cycle, account may be moved to Business Account Analysis.

3For Ultimate Business Checking, the transaction service charge still applies and is not waived when the daily balance requirement is met.

4Customer must qualify for service; there is no charge for activation. A $0.50 per item charge for usage will apply. Not available for Business Account Analysis.

5Other fees such as non-sufficient funds, overdraft, undeliverable mail, etc. may apply. Please refer to our Customer Agreement & Schedule of Charges, Book I & II, for terms and conditions and a complete list of fees and charges that may apply.

6Ask your banker for information on the terms and conditions of these services.

This information is effective 4/1/2021 and subject to change anytime without notice.

Business Account Analysis Checking

1This account is designed for business customers with high activity or who require special services. Service charges are based on the type and number of transactions processed during the monthly statement period. The activity charges for a given monthly charge cycle may be offset by an earnings credit. Ask us about the earnings credit calculation. For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Book I & II.

2Ask your banker for information on the terms and conditions of these services.

This information is effective 4/1/2021 and subject to change anytime without notice.