Business Checking Accounts
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!
Business Checking
Business checking accounts with F&M give you easy money management solutions, no matter the size of your business. Compare checking account benefits to decide which one is right for you.
| Business Account Options |
Smart Free Business Checking
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Choice Business Interest Checking
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Commercial Checking
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This Account is For You If...
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You don’t want to worry about excess fees or minimum balance amounts
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You are a sole proprietorship, government entity or non-profit organization looking for tiered interest rates to reward higher balances with higher rates!
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Your business requires a large number of monthly items* and you want to offset item charges with credits earned from compensating balances.
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Monthly Fee
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$0
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$0 with $2,500
minimum daily balance
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$15
(can be offset with compensating balances)
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Minimum Opening Balance
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$50
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$50
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$50
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Interest
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N/A
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Tiered
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N/A
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Number of No-Fee Monthly Items*
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1000
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1000
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Per item charges offset with compensating balances
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Coin/Currency Deposits*
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FREE
Up to $10,000 deposited per month
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FREE
Up to $10,000 deposited per month
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50¢ per $1,000
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Free Business Online Banking and Bill Pay
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Free VISA Debit Cards with Individual Spending Limits
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Statements
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Your Choice: Monthly Paper or eStatement
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Your Choice: Monthly Paper or eStatement
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Your Choice: Monthly Paper or eStatement
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Account Information
Smart 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 1000 items* per month, free business online banking with bill pay, and a convenient monthly e-statement.
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Commercial Checking Accounts
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.
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Choice Business Interest Checking
Allows a sole proprietorship, a government entity or non-profit organization to earn interest. You are allowed 1,000 items* per month, and the $8.00 monthly fee is waived if you maintain a $2,500 minimum daily balance.
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* Items are defined as individual checks written, a deposit, individual checks deposited, transfers between accounts, online and ACH transactions, wire transfers etc. If the Smart Free Business Checking or Business Interest Checking account exceeds 1,000 free monthly transactions or exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product. Your F&M Bank representative can provide you with a complete list of per-item fees and credits.
Reorder Checks
Re-ordering your checks online is fast, easy and secure! Shop online for a variety of styles designs and choices. You can order checks online at your convenience...24 hours a day, 7 days a week.
Order Now
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government