F&M Is Your Community Partner For Business Checking
Business checking accounts tailored for small businesses, large corporations, and nonprofits, all FDIC-insured.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
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Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Comprehensive Business Checking
Our checking accounts include monthly image statements, combined statements, 24-hour banking, internet banking, and complimentary night deposits with lockable money bags.
Small Businesses
Small Business Checking
- Designed for small businesses, startups, and low-complexity operations
- $10 monthly service fee, waived with a $2,500 average ledger balance
- 250 free transactions per month, with additional transactions at $0.50 each
- Access to business online banking for convenient account management anytime, anywhere
- Basic treasury management services to support your daily cash flow needs
Medium to Large Businesses
Business Checking
- Built for medium to large businesses with higher transaction volumes and expanding financial needs
- $25 monthly service fee, easily waived with a $5,000 average ledger balance
- 500 free transactions per month, with additional transactions at just $0.50 each
- Enhanced ACH capabilities to simplify payroll, vendor payments, and cash flow management
- Remote Deposit Capture (RDC) to securely deposit checks from your office—saving time and trips to the bank
- Merchant Services support to help you accept payments in-store, online, or on the go
- Business Online Banking tools designed to improve efficiency and optimize your business finances
Corporations
Enterprise Business Checking
- High transaction capacity to support complex operations
- $50 monthly service fee, easily waived with a $50,000 average ledger balance
- 500 free transactions per month, with additional transactions at just $0.25 each
- Enhanced online and mobile banking capabilities
- ACH and wire origination services
- Remote deposit capture
- Fraud protection tools and account monitoring
- Detailed reporting and account analysis tools
- Earnings credit to help offset eligible fees
FDIC Coverage for $250,000+
Insured Cash Sweep (ICS)
- FDIC coverage protects your deposits over the $250,000 limit
- Added peace of mind with government-backed deposit insurance
- Extended coverage available up to $50 million through CDARS
- Keep funds in one place while maximizing protection
Not-for-Profit Accounts
"Local Promise"
for Nonprofits
- Free. Includes superior high-yield interest rates, and ongoing mission support.
- Unlimited transactions
- No minimum balance
- Interest bearing
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.