Business Banking

Money-Line (912) 489-6669

Get current information on all your FMB accounts by dialing one simple number.

Commercial Checking

• Minimum balance of $25.00 to open account
• A maintenance fee of $2.50 will be imposed every monthly statement cycle if the balance in the account falls  below $500.00 any day of the cycle.
• A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) if the minimum balance falls below $500.00 during the monthly statement cycle. 
• Customer pays for checks of their choice.
  

Now Account

• Minimum balance of $900.00 to open account
• A low balance fee of $6.00 will be imposed every monthly statement cycle if the balance in the account falls below $900.00 any day of the cycle.
• A per debit fee of $.20 will be charged for each debit transaction in excess of 20 during a monthly statement cycle if the minimum daily balance falls below $900.00 during the monthly statement cycle.
• Some restrictions apply to qualify for this account

(This account is actually an interest bearing checking account)

Money Market  Account (Tiered)

• Minimum balance of $1,000.00 to open account
• A low balance fee of $7.50 will be imposed every monthly statement cycle if balance in the account falls below $1,000.00 any day of the cycle.
• Customer may make six pre-authorized withdrawals, no more than 3 by check, draft or debit card in a  monthly statement cycle.
• An excessive withdrawal fee of $5.00 will be charged for each debit transaction  (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six in a monthly statement cycle.  

(This account is designed as a savings account)

Certificates of Deposit

• To earn the most interest with the least risk, a Certificate of Deposit may be the best investment for you. 
• Choose from long-term or short-term fixed rate CD’s
• There is a substantial penalty for early withdrawal
• The minimum required to open the account is $500.00
  

Individual Retirement Accounts (IRAs)

• Our traditional Individual Retirement Account Plans are popular because of their tax-deductible contributions. Or, ask us about the advantages of the more recent Roth IRA where after-tax contributions can be made in return for tax-free distribution at the time of withdrawal.

* Farmers and Merchants Bank is not responsible in the event an error occurs regarding interest rates, terms, or information discussed in this web site.