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 table arrowSmall Businesses
Cost table arrowFREE
Transactions table arrow1,000 per month
Minimum Balance table arrowNone
Interest Bearing table arrowNo

Commercial Checking

Ideal For table arrowMedium to Large Businesses
Cost table arrow$10 monthly maintenance fee + additional deposit charges
Transactions table arrowUnlimited
Minimum Balance table arrowNone
Interest Bearing table arrowMonthly earnings credit to offset analysis charges

Regular Business Checking For Nonprofits

Ideal For table arrowNonprofits, including churches and municipalities
Cost table arrowFREE
Transactions table arrowUnlimited
Minimum Balance table arrowNone
Interest Bearing table arrowNo

Interest Business Checking For Nonprofits

Ideal For table arrowHigher income nonprofits
Cost table arrow$10 monthly if below minimum balance
Transactions table arrowUnlimited
Minimum Balance table arrow$1,000.00
Interest Bearing table arrowYes – see our rate sheet to learn more
Free Business CheckingCommercial CheckingInterest Business Checking For Nonprofits
Free Business CheckingCommercial Checking“Local Promise” For Nonprofits
Ideal For table arrowSmall BusinessesMedium to Large BusinessesNonprofits, including churches and municipalities
Cost table arrowFREE$10 monthly maintenance fee + additional deposit chargesFREE. Includes superior high-yield interest rates, and ongoing mission support.
Transactions table arrow1,000 per monthUnlimitedUnlimited
Minimum Balance table arrowNoneNoneNone
Interest Bearing table arrowNoMonthly earnings credit to offset analysis chargesYes – see full details at the link below.

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

phone icon540-896-8941
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