Farmers & Merchants Bank

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

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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

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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

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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.
$75 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

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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