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Why Choose F&M Bank?  As a Small Business, you have many decisions to make a on daily basis.  After one visit to F&M Bank, you will experience what we call the "F&M Difference".  We will partner with you to help ensure that your financial goals are met.  And, that's one less decision you have to worry about making! 
Would you be interested in receiving your monthly commercial checking account statement electronically?  An E-Statement allows you to receive your monthly bank statement via your email address.  It's timely, secure and provides for quicker reconciliation of your company's accounts.  To enroll in E-Statements follow the steps below: 
  • Log in to your Internet Banking account
  • Select the Services tab located at the left and choose Electronic Correspondence
  • Accept the terms and conditions.  Note:  After agreeing to the Terms and Conditions, an email containing your verification code will be sent to your primary email address
  • Next the Electronic Correspondence screens displays.  Enter the verification code you received in your email into the Enter Verification Code field
  • Choose the accounts that you wish to receive an email notification that your E-Statement is available
    Upon enrolling, you will receive an email message confirming your enrollment.  When a new statement is generated, an e-mail will be sent to you. You can then sign in to your Internet Banking account and view your statement(s).  To view your statement, click on Accounts, then E-Statement.   From there select your account and the statement you would like to view. 
    Commercial Checking Account 
    An account designed for businesses with higher transaction volume and more sophisticated cash management needs.  Depending on your account activity and balances, you may avoid paying monthly business account service fees. 

  • You receive an earnings credit based on the average daily collected balance in your account that is used to offset monthly account and transaction fees
  • Per item transaction fees are competitively priced thus lowering the cost of your account
  • Monthly statements with check images are available to you on a CD to make bookkeeping easier
  • Sweeps to interest bearing accounts are available to keep your excess funds working for you
  • ACH services, Remote Deposit, Internet Banking, and Combined statements are all available with this account to make your business run smoothly and more efficiently
    Small Business Account  
    An account for new and existing small businesses that have fewer transactions and maintain lower balances.    
  • Minimum opening deposit of $100
  • No monthly service charge if a $400 minimum daily balance or $1,000 average monthly balance is maintained in the account.
  • Receive your check images in your monthly statements
  • Free access to your account online with Internet Banking
    Business NOW Account 
    An interest bearing checking account for sole-proprietorships, DBA's, and non-profit organizations.  
  • Service charges are avoided and interest is earned with a minimum average daily balance of $1,000
  • Interest is compounded and paid monthly
  • An unlimited amount of transactions are allowed on this account
  • Receive your check images in your monthly statements
  • Free access to your account online with Internet Banking
    Business Debit Card 
    It's time to put away the checkbooks and pull out the F&M Bank business debit card.  Put speed and convenience in your employees' pockets and control and protection in yours.  It's like cash - only better.  Whenever you or an employee uses the business debit card, the purchase amount is automatically deducted from your business checking account. 
  • Just "swipe and go" when paying at participating merchants
  • No need to write checks or wait for check approvals
  • No more time spent reconciling the petty cash account
  • Make purchases at millions of locations worldwide that accept MasterCard
  • Get cash at participating ATMs worldwide
  • Card limit controls can be setup on an individual employee debit card
  • All transactions appear on your monthly checking account statement
  • Makes it easier to monitor employee spending, identify potential tax deductions, and fill out expense reports
    Business Bill Pay 
    F&M Bank is pleased to announce our new Business Bill Payment service.  This new service offers businesses many benefits and features including better cash-flow control and the ability to accept electronic bills. 
  • Search for vendors. Add new vendors simply by typing in the company name.  If a match is found in the database, the vendor's information will be added automatically.  No more hunting down mailing addresses!  Simply enter your account number and add your bills to be paid.
  • Schedule payments by the due date. The product allows you to enter the date you would like your vendor to receive your payment, and we can take care of getting it there on time!
  • Keep your money with you. Your money will remain in your bank account until the day your payment is due to your vendor.
  • Set up reminders. Never make a late payment again!  When you set up reminders, you'll receive a message telling you when your payment is due.
  • User access. You have the ability to assign authority levels to individual business users.  Levels of access allow the business owner to manage who may schedule, cancel, change, and approve payments, along with other controls over business usage and maintenance.
  • Unapproved Payment Alerts.  To assist you with managing the approval process, an email message is sent to the business account's email address indicating that there is an unapproved payment waiting to be approved.
    For additional information and pricing, please contact any of our bank locations. 


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