A personalized banking experience tailored to your needs.
F&M Trust deposit products
BUSINESS CHECKING & SAVINGS SOLUTIONS
Features and services to keep your business moving
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Commercial Checking and Deposit Services
Better Business Checking
Whether you're a sole proprietor, partnership, or for-profit corporation, our Better Business Checking Account is designed to help you manage your finances with ease and efficiency - without the extra costs.
*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.
- No monthly minimum balance requirement
- No monthly maintenance fee
- No fee for currency deposited
- No annual fee debit card with cash rewards
- Convenient business credit card
- Overdraft privilege service
- Business Mobile Banking with Xpress Deposit
- Business Online Banking
Commercial Checking and Deposit Services
Commercial Checking
Designed for medium to large businesses, this account helps you maximize value and offset fees through ongoing account analysis.
- No monthly minimum balance requirement
- Easy cash flow analysis and reporting
- Earnings credit for average monthly collected balances
- Offset service charges for higher balances
- No annual fee Franklin Busine$$Card (Debit MasterCard® Business Card) with cash rewards
- Online and mobile banking
- Unlimited online bill pay service
- Business Courtesy Coverage
Commercial Checking and Deposit Services
Nonprofit Checking
As a community focused organization, who better to care for your finances than a trusted community bank? Experience Banking Done Your Way with the features and benefits of our Nonprofit Checking Account.
*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.
- No monthly minimum balance requirement
- No monthly maintenance fees
- Up to 1,000 free items per statement cycle
- No fee for currency deposited
- Access to online and mobile banking
- Mobile merchant option for donation collection
- Franklin Busine$$Card (Debit Mastercard) with cash rewards and no annual fee
Commercial Checking and Deposit Services
Municipal Checking
Municipal Checking offers public entities monthly earnings on collected balances to help offset account fees. Services are billed through Account Analysis, so you only pay for what you use.
*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.
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For more information about Municipal Checking, please contact F&M Trust for a customized solution.
Business Savings Solutions
Benefit from competitive interest rates, flexible account options, and secure access to your funds.
Savings Account
Grow your business reserves while earning interest. Whether you’re planning for major equipment purchases, future inventory, seasonal expenses, or other business goals, this account is designed to help you succeed.
- $250 minimum balance requirement
- No monthly maintenance fee if minimum balance is met
- Earns interest on daily balance of $1.00 or more
- Free paper or electronic statements
Money Management Account
Earn higher interest rates on your business savings while keeping funds accessible when you need them. Our Money Management Account for Business combines the benefits of a savings account with added flexibility.
- $1,500 minimum balance requirement
- No monthly maintenance fee if minimum balance is met
- Earns interest on daily balance of $2,500 or more
- Free paper or electronic statements
Certificates of Deposit (CDs)
Plan for the short term or invest for the future with a secure, predictable option. Our Business Certificates of Deposit allow you to lock in a fixed interest rate for a set period, giving your business confidence and stability.
- $1,000 minimum opening deposit
- Maturities range from 30 days to five years
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Ready to Help
As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.
RELATED FEATURES AND SERVICES
Powering Your Business
Secure the right financing, streamline operations with treasury solutions for your business, offer attractive employee benefit programs, and benefit from the expertise of our dedicated Commercial Services Team.
Commercial Services
F&M Trust offers specialized expertise, working closely to understand your needs to build a secure financial footing for your future.
Commercial Banking
Business checking and savings designed to keep your business moving.
Commercial Borrowing
Fuel your growth and streamline operations with flexible business credit options.
Treasury Services
The F&M Trust Treasury Services empower businesses to optimize cash flow through strategic tools and expert guidance.
Employee Benefit Services
Employees want to work for companies that invest in their future. Offering a competitive retirement plan not only strengthens your benefits package but also shows your commitment to long-term employee well-being.