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Business Checking

At Farmers & Merchants State bank we know that a successful business thrives with multiple relationships. As your business partner, we offer a combination of the best financial products, professional personal service and convenience to meet your business needs now and in the future.




Commercial Checking

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Provides great flexibility and features unlimited deposit and check writing activity. For every dollar on deposit, you receive an earnings credit.

Our Personal Banker professionals are here to serve you and make your checking process as simple as possible. To find out more information about opening your Business Checking Account call or e-mail one of our Personal Banker professionals today.

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Small Business Checking

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Our most economical account for the small business owner who has low to moderate monthly activity. An account that keeps it simple, cost effective and convenient, specifically designed to meet your unique business needs.

Our Personal Banker professionals are here to serve you and make your checking process as simple as possible. To find out more information about opening your Small Business Checking Account call or e-mail one of our Personal Banker professionals today.

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Business Interest Checking

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Combines a regular commercial checking account with the added feature of earned interest. Available to sole proprietorships, nonprofit organization, select governmental agencies and other qualifying entities.

Our Personal Banker professionals are here to serve you and make your checking process as simple as possible. To find out more information about opening your Business Interest Checking Account call or e-mail one of our Personal Banker professionals today.

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BUSINESS BANKING
BUSINESS CHECKING ACCOUNT COMPARISON

Type Min to Open Minimum Daily Balance Required to avoid fee Fees Interest Paid? Special Notes
Commercial Checking $100 $0 Service fee of $5 per month; $.19 per check fee; $.28 per deposit fee; $.05 deposit fee per item No An earnings credit is given to offset the charges based on the avg. collected balance
Small Business
Checking
$100 $0 No Service Fee. 100 items Free, after 100; $.28 debits, $.28 credits, $.28 on-us; $.28 transit No No average collected balance. Check safekeeping required. No earnings credit.
Business Interest Checking $100 $0 Service fee of $5 per month; $.19 per check fee; $.28 per deposit fee; $.05 deposit fee per item Yes Must be individual or sole proprietor that operated an unincorporated business or a non-profit organization and certain governmental agencies

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Business Banking On-Line

Access your business account information 24-hours-a-day, 7 days-a-week via computer from your business or the comfort of your home.

  • Check current and anticipated account balances
  • View statement transactions
  • Sort and search account activity
  • Originate wire transfers and stop payments
  • Draw on your F & M bank credit line
  • Make payments to your F & M bank loan

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Farmers & Merchants State Bank
Waterloo - Marshall Wisconsin
1-888-478-3007

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