Business Checking

F&M Is Your Community Partner For Business Checking.

Business checking accounts tailored for small businesses, large corporations, and nonprofits, all FDIC-insured. Our checking accounts include monthly image statements, combined statements, 24-hour banking, internet banking, and complimentary night deposits with lockable money bags..

Comprehensive Business Checking:

Free Business Checking

Ideal For	Small Businesses
Cost	FREE
Transactions	1,000 per month
Minimum Balance	None
Interest Bearing	No

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Commercial Checking

Ideal For	Medium to Large Businesses
Cost	$10 monthly maintenance fee + additional deposit charges
Transactions	Unlimited
Minimum Balance	None
Interest Bearing	Monthly earnings credit to offset analysis charges

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Regular Business Checking For Nonprofits

Ideal For	Nonprofits, including churches and municipalities
Cost	FREE
Transactions	Unlimited
Minimum Balance	None
Interest Bearing	No

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Interest Business Checking For Nonprofits

Ideal For	Higher income nonprofits
Cost	$10 monthly if below minimum balance
Transactions	Unlimited
Minimum Balance	$1,000.00
Interest Bearing	Yes – see our rate sheet to learn more

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	Free Business Checking	Commercial Checking	Interest Business Checking For Nonprofits
	Free Business Checking	Commercial Checking	“Local Promise” For Nonprofits
Ideal For	Small Businesses	Medium to Large Businesses	Nonprofits, including churches and municipalities
Cost	FREE	$10 monthly maintenance fee + additional deposit charges	FREE. Includes superior high-yield interest rates, and ongoing mission support.
Transactions	1,000 per month	Unlimited	Unlimited
Minimum Balance	None	None	None
Interest Bearing	No	Monthly earnings credit to offset analysis charges	Yes – see full details at the link below.
	Learn More!	Learn More!	Learn More!

Open an Account

FDIC Coverage Secures Your Accounts.

Banking with F&M Bank comes with a $250,000 FDIC guarantee insuring your deposits are secure. For customers needing more coverage, F&M Bank provides coverage for up to $50 million with participation in our CDARS network for bank CDs. Keep all your money in one location with security you can feel good about. Ready to learn more? Access FDIC here!

F&M Bank Prioritizes Local Business In Our Community.

We value the community we call home and are deeply committed to fueling economic growth in the Shenandoah Valley and beyond. Since 1908, we’ve provided banking options and financial tools to give our customers the modern amenities you need to bank local and stay competitive. From interest bearing savings accounts to merchant services, we provide the banking support you need in the community where you work. Contact a member of our team to open your business checking account today.