Built for the Way Your Business Banks.
Every business has different needs, and your checking account should reflect that. F&M offers business checking options designed to grow with you, from straightforward everyday banking to high-volume commercial accounts with advanced cash management tools.
All F&M Business Checking Accounts include:
- Complimentary VISA® Debit Card
- Surcharge-Free ATMs nationwide via the Money Pass® Network*
- Digital Banking Access: including online banking, bill pay, and mobile banking
- eStatement Delivery
Everyday Business
Checking
A straightforward account for businesses that want simple, reliable banking.
Prime Business
Checking
As your business transactions increase, so do your checking needs.
Commercial
Checking
Built for high-volume businesses that need more firepower.
IOLTA
Checking
Designed specifically for attorneys. Keep client funds properly separated while supporting legal aid services.
Business Checking Products Comparison Chart
| Account Offerings | Everyday Business Checking | Prime Business Checking | Commercial Checking |
|---|---|---|---|
Minimum Opening Balance | $100 | $500 | $500 |
| Minimum Balance Requirement | None | None | $25,000 |
Monthly Service Charge | $0 | $15* | $35 monthly analysis charge + AA Item Processing Fees |
Paper Statement Fee | $5* | $5* | $5* *waived when enrolled in eStatement delivery. |
| Processed Items Included Processed items include checks, debits, ACH items, deposited items, and credits. | 150 processed items ($0.25 per item over 150) | 500 processed items ($0.25 per item over 500) | Analysis-based pricing |
| Treasury Management Service Add-On Available | N/A |  | |
Free* Digital Banking Services |
| | |
IOLTA
Checking
F&M makes it easy for attorneys to manage client trust funds in compliance with state bar requirements, at no cost to you, your clients, or the public. The account requires just $100 to open and carries a low $5 monthly service fee, automatically deducted from the interest earned. There is no minimum balance required to earn interest, and all interest goes directly to the Tennessee Bar Foundation to help fund access to legal services across Tennessee.
Interested in Treasury Management?
Prime Business and Commercial Checking account holders can add Treasury Management services to streamline payroll, automate payments, and gain greater control over cash flow.
Your business deserves better banking.
Don't settle for a one-size-fits-all account. Visit any F&M branch and our team will match you with the checking account that fits how your business operates.