Free Business Checking

Our “Free” business checking account has no balance requirement, no monthly maintenance fee, or per item charges*, and has a $1,000 Overdraft Privilege, if you so choose.
* Subject to analysis service charges if transaction volumes exceed 200-deposited items per statement cycle.


Other Business Checking Services

NOW Account

Our NOW* account pays a competitive rate of interest, providing a $600 average monthly balance is maintained. No interest will be credited if your average monthly balance falls below $600 and you will be assessed a $4.00 maintenance charge plus $.25 for each debit (excluding ATM or Point-of-Sale (POS) transactions).
* Business NOW accounts are only available for sole-proprietors and non-profit organizations that qualify.

Super NOW Account

Our Super NOW* account is a high yield checking account. However, to earn the Super NOW account interest rate on this account an average monthly balance of $1,000 must be maintained. If your average monthly balance for the month is between $600 and $1,000, you earn interest at the NOW Account rate. If your average monthly balance falls below $600, no interest will be credited and you will be assessed a $4.00 maintenance charge plus $.25 for each debit (excluding ATM or Point-of-Sale (POS) transactions).
* Business Super NOW accounts are only available for sole-proprietors and non-profit organizations who qualify.

Quicken® and QuickBooks® users - Get even more from your personal or business accounting software. Automatically update records and reconcile accounts faster. Farmers and Merchants Bank’s Internet Banking service offers web-connect interface to Intuit Quicken® and QuickBooks® financial software applications for 2013, 2014, and 2015 versions. Internet banking transactional account information can be exported seamlessly into your personal Quicken® or QuickBooks® applications for business customers. Simply navigate to the Account History link, and proceed to the Export History tab, to export your account transaction history to either desired application. Farmers and Merchants Bank is committed to delivering secure and efficient banking solutions to our customers.

Farmers and Merchants Bank’s Deluxe© Check Re-Order program is conveniently available online to facilitate standard re–order requests for business check styles and deposit tickets. Simply click on the Deluxe icon below, which will navigate you to the Deluxe© reorder web link located in the lower right sector of their website.

Fees & Service Charges*

Overdrafts/per item
$35.00
NSF-Returned Checks/per item
$35.00
Money Orders
$5.00
Official Checks
$10.00
Stop Payments
$30.00
Levies/Attachments
$125.00
Statement Reconcilement per hour
$25.00
Photo-Copies
$.25
Copy of Any Item
$4.00
Extra Statement
$5.00
Collection Fee
$10.00
Check Cashing (Non-Customer)
$2.00
Wrapped Coin (Non-Customer) Roll
$.10
Banded Notes (Non-Customer) Band
$.60
Closing Account (6 mos.)
$2.00
Bulk Coin-5% of total ($5.00 minimum) $5.00
Wire Transfers-Incoming $15.00
Outgoing $25.00
Foreign - Outgoing $50.00
Returned Deposited Item/per item $10.00
Telephone Transfer $5.00
Dial-A-Bank Automated Telephone Transfer n/c
Automatic Transfer (OD Protection) $5.00
Night Deposit Bags-Zipped $5.00
Night Deposit Bags-Locked $25.00
Foreign ATM Transaction Fee (AllPoint, STAR/CIRRUS ATM Network) $1.00
Replacement VISA Debit Card Fee $5.00
Fax Services-Receiving $2.00
Sending (U.S.) 1st page $3.00
additional page $2.00
Fax Services-Sending (Foreign) 1st page $5.00
additional page $3.00
Safe Deposit Box
3 x 5 $20.00
5 x 5 $32.50
3 x 10 $40.00
5 x 10 $65.00
10 x 10 $110.00
* Fees are subject to change at any time and without notice.
** Overdraft and Non-Sufficient Funds Fees apply to overdrafts created by check, in-person withdrawal, ATM Withdrawal, or other electronic means.
Farmers and Merchants Bank will charge you a fee of up to   $ 35.00 each time we pay an overdraft, limit 5 fees per business day on consumer accounts.
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External Link Disclosure

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