Business Checking Accounts
A safe convenient checking account is important to every business. But not every business needs the same thing in a checking account. That's why we offer a variety of accounts that can be customized with fee-saving options and convenient products and services to meet the needs of business of all sizes and configurations.

Business Checking
This convenient checking account provides you:

• Unlimited access to your funds.
• The ability to write as few or as many checks as you need and deposit funds at any time.
• Each individual transaction you make - as well as all fees charged to the account - on an easy-to-read monthly statement.
• The option of offsetting fees with an earnings credit (similar to interest, but only offsets fees) based upon available balances maintained in your account.

Money Market Checking Account (MMCA)
This account for qualified organizations and businesses allows you to earn interest on your money while enjoying the convenience of a business checking account. It offers:

• Unlimited access to your funds.
• An easy-to-read, itemized monthly statement for accurate record keeping.
• A tiered interest rate, so the more dollars you maintain, the more interest you earn.
• No monthly fees, if you maintain the required balance.

Business Check Card
F&M Bank business checking accounts include a business check card. The check card lets you make online purchases, keep a separate record of business purchases, access your checking account without writing checks, and make purchases anywhere VISA® is accepted. Have a business checking account, but not the check card? One call is all it takes, its fast, its easy, and its free. Just call 800-946-2264, visit your local branch or send a secure email.

• Set a target balance and we will work with you to choose investment opportunities for funds that exceed that amount.
• Each night, available funds above target balance will automatically be invested for use the next morning.

Interest on Lawyers Trust Accounts (IOLTA)
A special account for lawyers which offers the record keeping and remittance required by the State.

Interest Bearing Real Estate Trust Account (IBERTA)
A special account that pays interest to a real estate trust.

Would you like to know more? You may call us at 1-800-946-2264 or send us a secure e-mail.