Business Savings

Growing Your Money Is Easy With F&M Business Savings.

F&M Bank offers high interest business savings accounts and CDs to grow your profits. Secure savings from a local partner gives you the cash you need to expand and invest in the future of your company.

Money Market Accounts

Ideal For	Businesses with growing balances looking for higher rewards and needing fewer check writing privileges.
Service Charge	$10/month if below minimum balance
Minimum Opening Deposit	$1.00
Minimum Balance	$1,000 min balance to gain interest and eliminate monthly charge
Check Writing Privileges & Transfers	6 transactions per month. $5.00 fee any month you exceed 6
Interest	Tiered interest rate based on daily balance Interest earned on balances $1,000 and more Interest earned is compounded and credited monthly.

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Premium Business Savings

Ideal For	Businesses needing great rewards.
Service Charge	$10/quarter if below minimum balance No charge to nonprofits
Minimum Opening Deposit	$10.00
Minimum Balance	$10.00 minimum balance to gain interest. Quarterly average balance of $100 eliminates service charge
Check Writing Privileges & Transfers	6 transactions per calendar month.
Interest	Tiered interest rate based on daily balance Interest earned is compounded daily, credited quarterly.

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Business Certificate of Deposit (CD)

Ideal For	Businesses looking to save money without needing to access it from 6 months to 60 months.
Service Charge	FREE
Minimum Opening Deposit	$1,000
Minimum Balance	$1,000
Check Writing Privileges & Transfers	Early withdrawal will result in forfeiture of three month’s interest on certificates with maturities up to 60 months, and six month’s interest on certificates with 60 month maturity. Minimum penalty is $10.00.
Interest	Fixed. View our rates and our current special!

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	Money Market Accounts	Premium Business Savings	Business Certificate of Deposit (CD)
	Money Market Accounts	Premium Business Savings	Business Certificate of Deposit (CD)
Ideal For	Businesses with growing balances looking for higher rewards and needing fewer check writing privileges.	Businesses needing great rewards!	Businesses looking to save money without needing to access it from 6 months to 60 months.
Service Charge	$10/month if below minimum balance	$10/quarter if below minimum balance No charge to nonprofits	FREE
Minimum Opening Deposit	$10.00	$10.00	$1,000.00
Minimum Balance	$1,000.00 min balance to gain interest and eliminate monthly charge	$10.00 minimum balance to gain interest. Quarterly average balance of $100 eliminates service charge	$1,000.00
Check Writing Privileges & Transfers	6 transactions per month. $5.00 fee any month you exceed 6	6 transactions per calendar month.	Early withdrawal will result in forfeiture of three month’s interest on certificates with maturities up to 60 months, and six month’s interest on certificates with 60 month maturity. Minimum penalty is $10.00.
Interest	Tiered interest rate based on daily balance Interest earned on balances $1,000 and more Interest earned is compounded and credited monthly.	Tiered interest rate based on daily balance Interest earned is compounded daily, credited quarterly.	Fixed. View our rates and our current special!
	Learn More!	Learn More!	Learn More!

FDIC Coverage Secures Your Accounts.

Banking with F&M Bank comes with a $250,000 FDIC guarantee insuring your deposits are secure. For customers needing more coverage, F&M Bank provides coverage for up to $50 million with participation in our CDARS network for bank CDs. Keep all your money in one location with security you can feel good about. Ready to learn more about business savings and FDIC coverage? Access FDIC here!