We're with You on Your Journey to Success

Getting ahead isn’t always about speed. It’s about how you handle the corners, having enough power for the uphill climbs and enough fuel to go the distance. F&M has the strength and stability that comes with being around since 1906. We are proud of our history, but we're even more proud of being a bank of TODAY.

F&M works hard to be the bank of choice for businesses; and we offer the financial services and expertise that will allow you to navigate the challenges of running your business.

• Deposit Services
• Cash Management Services
• Loan Services
• Insurance Services
• Investment Services
• GoldCrest Customers

Deposit Services

The smooth flow of your company’s cash can be the difference between riding high or just drifting along. F&M has deposit products designed for businesses right here in Middle Tennessee, with features and pricing that make sense for you!

Checking Accounts

FREE Business Checking The best checking account around for businesses that don’t want to worry about excess fees and maintaining a minimum balance.  You’ll have 200 items per month, free Express Online Banking with Bill Pay and a convenient monthly e-statement

Small Business Checking – A great value most  small businesses, providing 500 items* per month for a low monthly fee, which will be waived by maintaining a $3,000 minimum daily balance.

Business Checking Plus – For companies with a higher volume of monthly items.* This account provides up to 1,000 items each month for a low monthly fee, which will be waived if you maintain either a $10,000 minimum daily balance or $30,000 in combined deposits and loans.

Commercial Checking – Customized for businesses that use a large number of monthly items.* Fees are charged on a per-item basis, but can be offset by credits earned with compensating balances. Ask us to evaluate your checking  activity to provide an estimate of services.

Business Interest Checking – Allows a sole proprietorship, a government entity or non-profit organization to earn tiered interest that rewards higher balances with higher rates! You are allowed 500 items* per month, and the monthly fee is waived if you maintain a $3,000 minimum daily balance.

* Items are defined as individual checks written, a deposit, individual checks deposited, transfers between accounts, online and ACH transactions, wire transfers etc. There is a charge of 35 cents for each item exceeding the monthly maximum for all F&M Bank Business checking accounts. Your F&M Bank representative can provide you with a complete list of per-item fees and credits.

Savings and Money Market Accounts

F&M offers a variety products allowing businesses to earn competitive interest on their balances:

Business Savings – Earn interest on deposits  with up to three free withdrawals per quarter.

Business Choice Money Market – Rewards your business with higher interest rates for higher balances. This TIERED INTEREST account provides you six withdrawals per statement cycle.

Certificates of Deposit – Pays competitive rates and are available in terms from 3 to 60 months.  Click here for the latest rates.

Cash Management Services

Maximize your cash flow with these convenient e-services:

Express Banking – F&M offers you convenience and control over your cash with a range of e-banking services including Online Banking and Bill Pay, Phone, Credit Card and Check Card services.

ACH Payments/Receipts – Eliminate the cost of creating and mailing paper checks and increase the efficiency of receiving payments. ACH services are especially popular for employee payroll.

Merchant Point of Sale Services – Give your customers more ways to pay. Scan and process credit, debit and purchasing cards and checks for deposit into your F&M account.

Other Services

• Wire Transfers
• Federal Tax and Payroll Deposits
• Night Deposit Services

EXPRESS BANKING

F&M offers high-speed solution for managing your company’s daily finances, paying bills, transferring funds and monitoring your accounts 24/7!

Express Online Banking
and Bill Pay for Business
Manage your business or personal banking activity real time ... right now. All you need is Internet access to have up-to-the-minute information about all of your F&M financial activity:

• Check deposit and loan balances, interest rates and account activity
• Pay bills online and balance your account
• Transfer funds between F&M accounts
• Make F&M loan payments
• Verify transactions made via phone, CHECK Card or ATM
• Search for cleared checks
• Review current account statements
• Receive e-statements (instead of paper statements)

Choose from these two Online Banking services:

Small Business Online Banking and Bill Pay – FREE to all Business Banking customers and includes all features listed above.

Corporate Online Banking and Bill Pay – Qualified businesses will get all of the features of the Small Business Online Banking and Bill Pay, plus extra power for managing your company’s cash flow … along with saving time, postage and personnel expense:

• Direct deposit of your company’s payroll into employee accounts
• Set up electronic payment for recurring bills
• Initiate ACH transactions
• Expedite receivables collection through preauthorized payments

Let us show you how Online Banking can increase the efficiency of your money management.  For more information – or a professional demonstration at YOUR place of business – contact us. We’ll help you get up and running in no time!

Other Choices For ExpressBANKING

ExpressPHONE – Take care of business from any touchtone phone by calling 1-800-295-1519. Verify balances, deposits and electronic transactions ... search for cleared checks ... even transfer funds ... 24 hours a day.

Express Check Card – The F&M Express Check Card is perfect for business travel and office purchases by you and select employees.

• Quicker than writing a check
• Use it for making ATM transactions
• Purchases approved on the spot
• Reduce your purchase of paper checks
• Get multiple cards for authorized employees

Express ATM – Gives you a convenient way to make cash withdrawals, transfers or balance inquiries. Click here for a list of ATM locations.

Loan Services

F&M shares your visions of growth and progress, and our bankers are in a unique position to understand your company and your market. Because you need to move quickly in business, we'll cut through the red tape and provide FAST approvals for your loan requests.

When you’re working with F&M Bank, you’re working with a Business Banker who can help you design your loan with terms that make sense for your company:

• Real Estate and Facility Loans
• Commercial Property Acquisition and Development
• Facility Construction/Expansion 
• Residential Development and Construction
• Equipment Loans
• Working Capital Loans
• Agriculture Lending
• Lines of Credit
• Credit Cards – For one or multiple card holders

Find out how good our personal service can be by visiting any Business Banker ... or by contacting F&M Bank.

Residential Development &  Construction Loans
Building houses ... developing property. Your investment and risk is sizable. That’s why you need an experienced local banker who understands the financial tightrope you walk.

F&M makes it OUR business to know YOUR business. You'll benefit from timely draws, risk mitigation and reduced stress ... meaning greater profitability for you! Ask about:

• Development Loans
• Construction Lines of Credit – For custom and speculative construction
• Mortgage Services – We provide your homebuyers with a seamless transition to permanent financing ... meaning faster money in your pocket.

Insurance Services

F&M provides Business Insurance Services that protect your company’s interests, enhance employee benefits and help you – as a business leader – ensure a solid personal financial future. F&M has teamed with a national network of providers to offer you the best and most cost-effective insurance solutions for you and your business.

As with all F&M Business Banking Services, we provide recommendations that are on-track because we get to know you and your company. We would love to give you a no-obligation assessment of your current insurance coverage. Just give us a call and we’ll get to work!

Business Group Health Benefits
To run a successful company, you must be able to hire, reward and retain excellent employees. Providing a quality group insurance program is an essential element of any compensation plan. F&M Insurance can help you structure a program that is affordable for both you and your employees. We can help you provide an insurance benefits package to include elements such as:

• Group Health
• Group Life
• Disability
• Supplemental Coverage – Dental, Vision and Cancer

If you are dissatisfied with your current group insurance provider, would like a competitive quote or if you previously felt your company was too small to afford group insurance, we can help!

Personal, Business Continuation And Key-Person Coverage
Protecting your personal and company assets, providing for your family’s future and ensuring the continuation of your business all require careful planning. With the help of an experienced F&M Insurance adviser, you can establish a game plan that blends with your personal financial objectives. These are some of the critical areas we can provide assistance:

• Personal Life and Disability
• Buy-Sell and Business Continuation
• Personal Health
• Key-Person Life and Disability
• Long-Term Care
• Annuities

For up-to-date details about all F&M Insurance Services, contact us today

*Insurance Services are not FDIC Insured. Not a deposit or other obligation of, or guaranteed by F&M Bank or of the government. Subject to investment risks, including the possible loss of principal amount invested.

 Investment Services

As a business leader, you have taken more than your share of risks along the road to success. Enjoying that success is the ultimate reward of a long and eventful journey. To achieve financial goals, you need a plan ... and a financial adviser you can trust. F&M Investment Services / Raymond James Financial Services brings you experience, expertise and comprehensive investment options that will help you reach your personal financial goals. We can also help you reward your employees with an attractive retirement / pension program. The blending of a talented local F&M Investment Services adviser with one of the world’s largest investment companies provides our clients with superior service and virtually unlimited financial choices.

Retirement/Pension Programs For Businesses ... And Business Owners
Attracting and retaining quality employees is a big challenge for any business or organization. F&M/Raymond James Financial Services can help establish a retirement and/or pension program with features and flexibility that compare to plans of large companies. No matter the size of your company, your F&M Investment Services adviser can help you create a program that will provide long-term financial benefits for you and your employees … and may also offer some attractive tax incentives.

Retirement/Pension Programs

• 401(k)
• Simplified Employee Pension Plans (SEPs)
• KEOGH Self-Employed Retirement Plans
• Individual Retirement Plans (IRAs)

We’ll Help You Plan And Manage Your Investments
No matter what your investment goals – from conservative to aggressive – our personalized “Main Street” approach to Wall Street makes F&M/Raymond James Financial Services the SMART CHOICE to help YOUR MONEY grow! Our clients trust us to help them achieve a wide variety of financial objectives:

• Personal Financial Plans
• Capital Preservation or Capital Growth
• Tax Deferred or Tax Exempt Income
• Increase of Investment Income
• Educational Expense Planning
• Long-Term Health Care Expense Planning
• Retirement Plans and Rollover Investments
• Estate Planning

Brokerage Products And Investment Services
F&M/Raymond James Financial Services provides you with a full range of brokerage and investment products:

• Stocks – Common and Preferred
• Bonds – Treasury, Mortgage and Tax-Exempt
• Mutual Funds – Hundreds of Stock and Bond Funds
• Annuities – Fixed and Variable Rate
• Investment Accounts – Personal, Retirement and Business

*Securities and brokerage services are offered exclusively through Raymond James Financial Services, Inc. Member NASD/SIPC. Securities provided are not deposits or obligations of, or guaranteed by F&M Bank and are not insured by the Federal Deposit Insurance Corporation or any other government agency. They involve investment risks, including the possible loss of principal amount invested.

 GoldCrest Customers

When your business is on board with F&M Bank, we want to extend extra attention and special touches that make your personal financial journey as gratifying as possible. Being an F&M GoldCrest customer is the highest level of recognition and reward afforded by F&M Bank. GoldCrest status is your ticket to your own financial concierge – which means personal attention and exclusive benefits for you, the business principal. Awarded based on either your business or personal banking relationship, it is our way of thanking our most special customers. Ask us how you can become the next person to hold GoldCrest status ... and start enjoying the special offers and discounts only available to GoldCrest customers. Unique personal benefits awarded to GoldCrest customers may include:

• Bonus rates or special offers on personal deposit products
• Bonus discounts or special offers on personal loan rates or real estate closing costs
• Free or discounted items such as personal checks, safe deposit box or a VISA Premium Credit Card
• Periodic discounts on F&M Investment and F&M Insurance Services
• Special recognition items or appreciation gifts
• Assistance with Personal Financial Planning

GoldCrest Qualifications
Your business or personal banking relationship may qualify you for GoldCrest status. The following standards* apply:

Open or Currently Have a Personal F&M Bank Checking Account AND Maintain The Following:

New personalized GoldCrest cards featuring special offers and discounts will periodically be issued. When you receive your new GoldCrest card, it’s your ticket to take advantage of your exclusive GoldCrest rewards!

*Accounts also must be maintained in good-standing to qualify or maintain GoldCrest status.
**Qualifying Combined Deposit and Loan Balance does not include personal primary residence mortgage loan.