Business Services

FMSB knows small businesses are the lifeblood of any community. We are dedicated to helping small businesses thrive.

We offer a number of services to help businesses thrive.  Contact one of our Business Banking Specialists today!

Checking

 

Business Checking

Convenient Business Banking.  The ideal account designed for all your cash management needs.  Whether you are a growing business with few transactions to a mid to large-size business, this account is for you.

Features and Benefits

  • No minimum to open the account
  • Earns a credit based on average collected balances that is applied to reduce or eliminate fees
  • No minimum average daily balance to receive the earnings credit

Charges and Fees

  • Maintenance Fee:  $3.00 per month
  • Debit Fee:  $0.15 per item
  • Deposited Item Fee:  $0.08 per check deposited on an out of town bank1
 

Business NOW

Earn interest while maintaining the convenience of a checking account.  Designed for sole owners, government units and eligible non-profit organizations.

Features and Benefits

  • Minimum deposit to open account—$1,000
  • Earn interest on daily balances
  • Interest is compounded and credited monthly

Charges and Fees

 

  • Minimum Balance Fee: $3.00 per month if your average available balance falls below $1,000
  • Minimum Balance Fee:  $3.00 per month
  • Debit Fee:  $0.15 per item
  • Deposited Item Fee:  $0.08 per check deposited drawn on an out of town bank1

Non-Profit Checking

Perfect solution for small nonprofit organizations that is convenient and affordable.

Features and Benefits

  • No minimum balance to open account
  • Earns a credit based on average collected balances that is applied to reduce fee or eliminate fees
  • Unlimited deposits

Charges and Fees

  • Maintenance Fee:  $1.00 per month (No fee if five or fewer checks are written during a statement cycle)
  • Debit Fee:  $0.15 per item

Earnings Credit:  Calculated by applying the NOW account rate to the average collected balance for the monthly statement cycle

Savings

Savings Non-Personal Account

Earn a competitive interest rate as a convenient way to achieve financial goals.

Features and Benefits

  • Interest is compounded and credited semiannually
  • Minimum deposit to open account—$100
  • No Minimum Balance fee if your average available balance is above $100 in the month

Charges and Fees

  • Minimum Balance Fee: $5.00 per month if your average available balance falls below $100
  • Withdrawal Fee: $.50 for each debit in excess of three (3) during the monthly cycle
  • Deposit Charges: Make unlimited deposits to your account with no fees

FMSB Money Market Checking

Earn a competitive interest rate on your extra operating cash on this tiered money market account which combines check writing capability with interest earning potential.

 

Features and Benefits

  • Minimum deposit to open account—$5,000
  • Minimum daily balance—$500
  • Monthly service charge waived with eStatements
  • 3 withdrawals/checks included

Credit Card Services

  • Business Credit Cards issued by Bankers Bank                                                                      
  • Business Rewards Credit Cards issued by Bankers Bank
    Apply for your Business Credit Card Here!
  • Business Merchant Credit Card Processing Services available offered by CardConnect-Ask one of our Customer Service Representatives for more information

FMSB eServices

View accounts safely and securely online

  • Free Online Banking at www.fmsb4me.bank
  • Free Mobile Banking
  • Real time transactions posted to that day’s business will be viewable that same day online
  • Review all your transactions for the past 60 days
  • Download to Quicken, Quickbooks, or to a spreadsheet
  • Transfer money between accounts
  • Sign up for free eAlerts
  • 1. a. b. Ask a CSR for a list of banks classified as an out of town bank