Business Checking Solutions

You'll find value in our business checking services that provide you with detailed account activity reporting, reconciliation services, and direct deposit of payroll for your employees. We offer a variety of products, tailored to meet your needs.


Better Business Checking -- Designed for the small to medium size business seeking lower to no costs.  This packaged account offers many features to provide you overall better value. Account features include no monthly minimum balance requirement and no monthly maintenance fee, up to 400 free items per monthly statement cycle, no fee for currency deposited, no annual fee Franklin Busine$$Card (Debit MasterCard Business Card) with cash rewards, and free online banking with free unlimited bill pay transactions. This account is available to sole proprietors, partnerships, for-profit corporations, and municipal and government organizations.  


Commercial Checking -- Designed for medium to large businesses, this checking account is an economical account option that requires no minimum balance. Commercial Checking can make managing day-to-day cash flow easy, accurate and profitable. Through account analysis, you only pay for the services that you use. Receive an earnings credit for your average monthly collected balances, applied to offset monthly maintenance and processing fees. Account analysis rewards higher balances with lower or no service charges.


Non-profit Checking -- This account is suited for non-profit organizations of any size and provides a number of features designed to meet your unique needs. This packaged account offers many features to provide you overall better value. Account features include no minimum monthly balance requirement and no monthly maintenance fees, up to 1000 free items per statement cycle, and no fee for currency deposited. Non-profit checking customers also receive free online banking with free unlimited bill pay transactions and no annual fee Franklin Busine$$Card (Debit MasterCard Business Card) with cash rewards.


Municipal Checking -- For Municipal Checking, please contact our Cash Management Specialist, Brian Reidell at (717) 261-3536.



Business Savings Options

We offer you services that can improve your usage of excess cash. From cash management services to money market accounts, F&M Trust has a variety of products to meet your current and future needs. Effective cash management techniques can assist you in generating additional income through reduced service charges and utilizing available funds to pay down your line of credit or invest overnight. For more information on our cash management services, contact our Cash Management Specialist, Brian Reidell at (717) 261-3536.


Savings Accounts -- Earn interest on your accessible funds with a low minimum balance savings account ($250 to avoid monthly service charge).


Money Management Account -- Earn a higher rate of interest while keeping your company's funds liquid. A competitive interest rate reflective of market conditions and tiered to your account balance - the larger the balance, the higher the interest rate.


Certificates of Deposit (CDs) -- Earn a fixed rate of interest on your money by investing in our FDIC-insured Certificates of Deposit. CDs offer maturities that range from 30 days to 5 years with a minimum $1,000 deposit. Jumbo CD rates available for investments of $100,000 or more.



Member FDIC