F&M Is Your Community Partner For Business Checking.

F&M Bank provides business checking accounts for small businesses, large corporations, and nonprofits. With insurance through the FDIC, all our checking accounts offer monthly image statements, combined statements, 24 hour banking, internet banking, and free night deposits with free lockable money bags.

Banking Options Work For You:

Free Business Checking

Ideal For Small Businesses
Cost FREE
Transactions 1,000 per month
Minimum Balance None
Interest Bearing No

Commercial Checking

Ideal For Medium to Large Businesses
Cost $10 monthly maintenance fee + additional deposit charges
Transactions Unlimited
Minimum Balance None
Interest Bearing Monthly earnings credit to offset analysis charges

Regular Business Checking For Nonprofits

Ideal For Nonprofits, including churches and municipalities
Cost FREE
Transactions Unlimited
Minimum Balance None
Interest Bearing No

Interest Business Checking For Nonprofits

Ideal For Higher income nonprofits
Cost $10 monthly if below minimum balance
Transactions Unlimited
Minimum Balance $1,000.00
Interest Bearing Yes – see our rate sheet to learn more
Free Business CheckingCommercial CheckingRegular Business Checking For NonprofitsInterest Business Checking For Nonprofits
Free Business CheckingCommercial CheckingRegular Business Checking For NonprofitsInterest Business Checking For Nonprofits
Ideal For Small BusinessesMedium to Large BusinessesNonprofits, including churches and municipalitiesHigher income nonprofits
Cost FREE$10 monthly maintenance fee + additional deposit chargesFREE$10 monthly if below minimum balance
Transactions 1,000 per monthUnlimitedUnlimitedUnlimited
Minimum Balance NoneNoneNone$1,000.00
Interest Bearing NoMonthly earnings credit to offset analysis chargesNoYes – see our rate sheet to learn more

FDIC Coverage Secures Your Accounts.

Banking with F&M Bank comes with a $250,000 FDIC guarantee insuring your deposits are secure. For customers needing more coverage, F&M Bank provides coverage for up to $50 million with participation in our CDARS network for bank CDs. Keep all your money in one location with security you can feel good about. Ready to learn more? Access FDIC here!

F&M Bank Prioritizes Local Business In Our Community.

We value the community we call home and are deeply committed to fueling economic growth in the Shenandoah Valley and beyond. Since 1908, we’ve provided banking options and financial tools to give our customers the modern amenities you need to bank local and stay competitive. From interest bearing savings accounts to merchant services, we provide the banking support you need in the community where you work. Contact a member of our team to open your business checking account today.

Have Questions? Get In Touch

540-896-8941
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