Business Checking and Savings Solutions

Our business checking services can provide your business with detailed account activity reporting, reconciliation services and direct deposit of payroll for your employees. We also offer services that can improve your usage of excess cash. From business checking to money market accounts, we’ve got a variety of products to meet your business’s needs.

Commercial Checking and Deposit Services

  • Better Business Checking

    Designed for the small- to medium-sized business seeking lower to no costs, the checking account features:

    • No monthly minimum balance requirement
    • No monthly maintenance fee
    • Up to 400 free items per monthly statement cycle
    • No fee for currency deposited
    • No annual fee Franklin Busine$$Card (Debit MasterCard® Business Card) with cash rewards
    • Online and mobile banking
    • Mobile Xpress Deposit
    • Overdraft privilege service

     

    This account is available to sole proprietors, partnerships, and for-profit corporations.

  • Commercial Checking

    Designed for medium to large businesses looking to offset fees through ongoing account analysis, the checking account features:

    • No minimum balance
    • 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, an overdraft privilege service
  • Nonprofit Checking

    Designed for nonprofit organizations of any size looking for a packaged account offering overall better value, the checking account features:

    • No minimum monthly balance requirement
    • No monthly maintenance fees
    • Up to 1,000 free items per statement cycle
    • No fee for currency deposited
    • Online and mobile banking
    • No annual fee Franklin Busine$$Card (Debit MasterCard® Business Card) with cash rewards
  • Municipal Checking

    For Municipal Checking, please contact your local community office for additional information.

Business Savings Solutions

  • Savings Account

    Earn interest on your accessible funds with a low minimum balance savings account.

  • Money Management Account

    Earn a higher rate of interest while keeping your company's funds liquid. A competitive interest rate is reflective of market conditions and tiered to your account balance — the larger the balance, the higher the interest rate.

  • Certificates of Deposit (CDs)

    Earn a fixed rate of interest on your money by investing in our FDIC-insured CDs. CDs offer maturities that range from 30 days to five years, with a minimum $1,000 deposit. Jumbo CD rates are available for investments of $100,000 or more.

Financing

We have affordable financing options that can help your business thrive.

Learn More
Treasury Management

Need your business’s cash to work harder for you?

Learn More
Employee Benefit Programs

Keep your employees healthy and happy with our Benefits Programs.

Learn More
Commercial Services Team

Question for an expert? We’re ready to help.

Learn More

NOTICE: YOU ARE LEAVING F&M TRUST!

You are now leaving the F&M Trust website. Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security or accessibility standards as ours. F&M Trust neither endorses nor guarantees offerings of the third-party providers, nor is F&M Trust responsible for the security, content or availability of third-party sites, their partners or advertisers.