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F&M Trust deposit products

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BUSINESS CHECKING & SAVINGS SOLUTIONS

Features and services
to keep your business moving

A personalized banking experience tailored to your needs.

Contact F&M Trust Meet Our Team

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Commercial Checking
and Deposit Services

Better Business Checking

Whether you're a sole proprietor, partnership, or for-profit corporation, our Better Business Checking Account is designed to help you manage your finances with ease and efficiency - without the extra costs.

Checking Solutions

*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.

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  • No monthly minimum
balance requirement
  • No monthly maintenance fee
  • No fee for currency deposited
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Restaurant owners using credit card online
  • No annual fee debit card with cash rewards
  • Convenient business credit card
  • Overdraft privilege service
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  • Business Mobile Banking with Xpress Deposit
  • Business Online Banking
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Commercial Checking
and Deposit Services

Commercial Checking

Designed for medium to large businesses, this account helps you maximize value and offset fees through ongoing account analysis.

Checking Solutions
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  • No monthly minimum
balance requirement
  • Easy cash flow analysis and reporting
  • Earnings credit for average monthly collected balances
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  • Offset service charges for higher balances
  • No annual fee Franklin Busine$$Card (Debit MasterCard® Business Card) with cash rewards
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  • Online and mobile banking
  • Unlimited online bill pay service
  • Business Courtesy Coverage
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Commercial Checking
and Deposit Services

Nonprofit Checking

As a community focused organization, who better to care for your finances than a trusted community bank? Experience Banking Done Your Way with the features and benefits of our Nonprofit Checking Account.

Checking Solutions

*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.

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  • No monthly minimum
balance requirement
  • No monthly maintenance fees
  • Up to 1,000 free items per statement cycle
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Young woman using phone
  • No fee for currency deposited
  • Access to online and mobile banking
  • Mobile merchant option for donation collection
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Woman making online purchases
  • Franklin Busine$$Card (Debit Mastercard) with cash rewards and no annual fee
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Commercial Checking
and Deposit Services

Municipal Checking

Municipal Checking offers public entities monthly earnings on collected balances to help offset account fees. Services are billed through Account Analysis, so you only pay for what you use.
Checking Solutions

*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.

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  • For more information about Municipal Checking, please contact F&M Trust for a customized solution.

Business Savings
Solutions

Benefit from competitive interest rates, flexible account options,
and secure access to your funds.

Savings Account

Grow your business reserves while earning interest. Whether you’re planning for major equipment purchases, future inventory, seasonal expenses, or other business goals, this account is designed to help you succeed.

  • $250 minimum balance requirement
  • No monthly maintenance fee if minimum balance is met
  • Earns interest on daily balance of $1.00 or more
  • Free paper or electronic statements
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Money Management Account

Earn higher interest rates on your business savings while keeping funds accessible when you need them. Our Money Management Account for Business combines the benefits of a savings account with added flexibility.

  • $1,500 minimum balance requirement
  • No monthly maintenance fee if minimum balance is met
  • Earns interest on daily balance of $2,500 or more
  • Free paper or electronic statements
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Certificates of Deposit (CDs)

Plan for the short term or invest for the future with a secure, predictable option. Our Business Certificates of Deposit allow you to lock in a fixed interest rate for a set period, giving your business confidence and stability.

  • $1,000 minimum opening deposit
  • Maturities range from 30 days to five years
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Ready to Help

As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.

Contact F&M Trust Meet Our Team

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F&M Trust offers specialized expertise, working closely to understand
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Commercial Banking

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Employee Benefit Services

Employees want to work for companies that invest in their future. Offering a competitive retirement plan not only strengthens your benefits package but also shows your commitment to long-term employee well-being.

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