FIND THE RIGHT F&M BUSINESS CHECKING ACCOUNT FOR YOU

Opening an F&M Business Checking Account is the first step to experiencing the personalized service and financial solutions of one of the strongest banks in Los Angeles and Orange Counties. Whether you are a sole proprietor, start-up, small or enterprise business, our banking professionals can tailor our services to meet your business needs with a competitive interest or non-interest bearing business checking account. 


You’ll have checks for business transactions, a MasterCard® Business Debit Card, Online Cash Management services, and 24 locations in Southern California, you have access to your account 24/7. You also have the option to go green and receive your account statements and notices electronically. We even offer the flexibility and convenience of an F&M Business Visa® Credit Card, Remote Deposit Capture, Electronic Lockbox, and additional Business Solutions.

Isn’t it time you put more than 100 years of banking experience to work for your business?

  Business Checking
Non-Analyzed3
Get Started
Apply at an F&M Office
Business Checking
Analyzed
Get Started
Apply at an F&M Office
Business Interest on Checking3
Get Started
Apply at an F&M Office
Minimum Opening Balance  $200 $200  $200
Account Fees  $20 Minimum Balance Fee Per Month Applies if the Balance in the Account Falls Below $5,000 Any Day of the Statement Cycle. $25 Maintenance Fee Per Month Applies for All Accounts Under the Same Anlyzed Group in Addition to Service Fees According to the Account Analysis Schedule of Fees Provided at Account Opening $25 Minimum Balance Fee Per Month Applies if the Balance in the Account Falls Below $6,000 Any Day of the Statement Cycle
A Per Check/Withdrawal Fee of $0.40 for Each Debit Transaction (Withdrawal, Check, Automatic Transfer or Payment) will be Imposed after the First 300 Debit Transactions, Per Statement Cycle  Checkmark    Checkmark
A $3 Paper Statement Fee is Assessed for Each Paper Statement Mailed Unless You Enroll in eStatements  Checkmark  Checkmark  Checkmark
Earnings Service Credit can Offset Accumulated Expenses Associated with Bank Services, Account Transactions and Currency Fees    Checkmark  
$15 Early Closure Fee Applies if the Account is Closed Within 90 Days of the Opening Date  Checkmark  Checkmark  Checkmark
Interest Bearing Account
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Competitive Variable Interest Rate; Interest Accrues Daily and is Credited to the Account Monthly
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Unlimited Check Writing
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Check Images Included with Monthly Statement
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Free MasterCard® Business Debit Card1  Checkmark  Checkmark  Checkmark
Free Debit Card Alerts2  Checkmark  Checkmark  Checkmark
Free Business Online Banking
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Free Mobile Banking2
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Free Mobile Check Deposit2
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Cash Manager
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Bill Pay
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Free eStatements & eNotices
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Combined Monthly Statements
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  Business Checking
Non-Analyzed
Get Started
Apply at an F&M Office
Business Checking
Analyzed
Get Started
Apply at an F&M Office
Business Interest on Checking
Get Started
Apply at an F&M Office

Some account features and benefits may be subject to separate application, agreement, and/or approval. Terms and Conditions may apply. Account features are subject to change with or without notice. For additional details, please refer to Service & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.

  • 1Other financial institutions and ATM operators may charge an additional surcharge fee for use of their ATM, which is disclosed and debited at the time of your transactions.
  • 2F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  • 3An account originally opened as non-analyzed may be subsequently analyzed at the Bank's discretion and service charged accordingly.