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Lakeland • Nashville • Homerville • Valdosta • Conyers

Business Checking

 

  • Minimum balance to open - $100.00
  • Minimum balance fee of $7.00 will be charged if the daily balance falls below $2,000.00.
  • A debit item charge of $0.20 will be imposed for each debit transaction (withdrawal, check paid, automatic transfer or payment out of your account) if the balance in the account falls below $2,000.00 any day during the statement cycle.
  • Unlimited check writing - check printing fees may vary depending on the style and quantity of checks being ordered.
  • Free check images with the monthly statement.
  • Free Basic Internet Services.
  • A $2.00 service charge to close the account will be imposed if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

Simple Business Checking Account

Simple Business Checking Account is designed for smaller businesses with low transaction volume or ZBA accounts. 

  • Minimum balance to open - $100.00
  • No monthly minimum.
  • First 250 transactions free.
  • All transactions over 250 items are $0.12 per item (transactions included items deposited, items paid, ACH debits and credits, deposit tickets).
  • Unlimited check writing - check printing fees may vary depending on the style and quantity of checks being ordered.
  • Cash withdrawals:  $0.08 per roll of coin and $0.25 per cash strap.
  • Free check images with the monthly statement.
  • Free Basic Internet Services.
  • A $2.00 service charge to close the account will be imposed if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

Business Interest Checking Account

Interest bearing checking account designed for non-profit organizations, sole proprietorships, government entities and trusts that maintain large balances. 

  • Minimum balance to open - $100.00
  • $500.00 minimum balance requirement to obtain the Annual Percentage Yield.
  • Interest paid on all collected balances, interest rates and Annual Percentage Yield may change.  Interest will be compounded and credited to account monthly.
  • Minimum balance fee of $12.00 will be charged if the daily balance falls below $500.00 any day of the statement cycle.
  • A debit item charge of $0.12 will be imposed on each item including items deposited, items paid, ACH Debits, ACH credits and deposit tickets.
  • Unlimited check writing - check printing fees may vary depending on the style and quantity of checks ordered.
  • Cash withdrawals:  $0.08 per roll of coin and $0.25 per cash strap.
  • Free check images with the monthly statement.
  • Free Basic Internet Services.
  • A $2.00 service charge to close the account will be imposed if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

 

Business Analysis Checking Account

Business Analysis Checking Account is designed for larger businesses with high transaction volume and larger daily balances that do not qualify for interest checking.  Features:

  • Minimum balance to open - $100.00
  • No minimum balance requirements.
  • $12.00 monthly service charge (will print on statements as "Minimum Balance Fee".
  • A debit item charge of $0.12 will be imposed on each item including items deposited, items paid, ACH Debits, ACH credits and deposit tickets.
  • Minimum Balance Fee and debit item charges may be offset by earnings credit paid on the collected daily balance (tiered earnings credit rate based on daily collected balances).
  • Unlimited check writing - check printing fees may vary depending on the style and quantity of checks ordered.
  • Cash withdrawals:  $0.08 per roll of coin and $0.25 per cash strap.
  • Free check images with the monthly statement.
  • Free Basic Internet Services.
  • Earnings Credit Tier subject to change. Please call for current rates.
  • A $2.00 service charge to close the account will be imposed if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

 

 

 

EFFECTIVE OCTOBER 24, 2013: DEBIT CARD INTERNATIONAL USAGE BLOCK: Farmers and Merchants Bank Go Anywhere Debit Cards can be used anywhere MasterCard is accepted within the United States. In the event a customer will be traveling outside of the United States or purchasing items internationally through the WEB or by other means, the customer must notify the bank so that the debit card International block can be temporarily removed.

 

 

 

 

 

 

 

 

 

 

 

 

Contact your local Farmers and Merchants Bank

and let us help you discover which account is best for you and your business!

 
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