Time is money. With a Free Business Checking1 account, you’ll be spending less of both as you bank.

Key Features

  • No Monthly Service Charge
  • No Minimum Balance Requirements
  • 500 Free Transactions Per Month
  • Ideal for businesses with low to moderate transaction volumes
  • Simplified checking solution for your growing business
  • No monthly service charge1
  • No minimum balance requirements
  • Keep the cost of doing business low with the following:
    • 500 free transactions per month2
    • Up to $10,000 cash processing free per statement cycle3
    • No per check charge
    • $2 per foreign ATM transaction
  • Free online and mobile banking services, including4:
    • Free mobile check deposits5
    • Free bill pay
    • Free eStatements
  • Includes Visa® business debit card6
  • Variety of business services available
  • $50 minimum deposit to open

1Free Checking describes that the account has no monthly service or maintenance fees. Other fees such as 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.

4For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.

5Some restrictions will apply and funds from a mobile deposit are not available for immediate use.

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

This information is effective 8/1/2023 and subject to change anytime without notice.