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Are you a business with lots of transactions each month? With our Commercial Checking account, a large transaction volume is a good problem to have. You can enjoy unlimited monthly transactions at low per-item fees and receive an earnings credit to put to work toward your bottom line.

Key Features

  • Earnings Credit
  • EMV Debit Card
  • Digital Banking

How does a commercial checking account work?

A commercial checking account is designed specifically for the needs of small, medium, and larger sized businesses. You’ll need an EIN or SSN, business formation documents, and ownership agreements to open a commercial checking account.

A commercial checking account allows you to accept and spend money on behalf of your business. It also keeps you on the right side of the law and regulations, as well as making tax time easier.

Instead of earning interest, commercial checking accounts come with an earnings credit that can help reduce the total monthly fees you pay for your account and transactions.

Features and Benefits of Commercial Checking

When you open a Commercial Checking account with F&M Bank, you can expect:

  • Ideal for businesses with larger transaction volumes
  • $7.50 monthly service fee
  • Unlimited monthly transactions available at low per-item fees:
    • 6¢ for each ACH debit or credit transaction
    • 10¢ for each item deposited
  • Receive an earnings credit to offset or minimize monthly fees incurred
  • Free digital banking services
  • Debit card available
  • $100 minimum deposit to open
  • No minimum daily balance

Digital Banking For Businesses

You’re busy running your company. Let us help you make banking easier with online banking from anywhere. Check your account balance, transfer funds, setup account alerts, view check images, download statements to your accounting software, and more. With Online Bill Pay, you can streamline your accounting by scheduling payments in advance and storing all your payee information in one place. And, with our Mobile Banking app, you can do all of this with a mobile device, plus easily deposit checks with mobile deposit.

Open A Commercial Checking Account Online!

To learn more about our business banking products and services, visit your nearest branch location in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, or Crescent, OK. You can also complete our Business Information form online and one of our representatives will contact you shortly to complete the process.