Business Checking Accounts

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Innovative Solutions for Businesses of Every Size

At Farmers & Merchants Bank, we offer business checking accounts tailored to meet the needs of local entrepreneurs, established operations, and growing companies. Whether you’re managing cash flow, simplifying transactions, or looking to maximize earnings, we have the right account to support your business.

Business Economy Checking

Ideal for small businesses and startups with moderate transaction activity.

Economy Account Highlights:

  • $20,000 business relationship – otherwise $5 monthly service charge
  • No per-item fees if monthly debits and credits are less than 150, and deposited items are under 300. Otherwise, transaction fees are $0.20 each, and the deposit item fee is $0.06 per deposited item.
  • Free first order of checks, deposit tickets, checkbook binder, and endorsement stamp for new accounts with a $20,000 business relationship.

Relationship Accounts Include:

  • Commercial Loans
  • Deposit Accounts

New Accounts Bonus:

With a $20,000 business relationship, enjoy:

  • First order of checks
  • Deposit tickets
  • Checkbook binder
  • Endorsement stamp — all at no cost

Business Regular Checking

For businesses with higher activity levels and account balances.

Account Highlights:

  • $5 monthly service charge
  • Earnings credit – $.30 per $100 average daily available balance.

Transaction Fees:

  • $0.15 per debit
  • $0.04 per deposited item

Business Interest Checking

Designed for sole proprietors, nonprofits, and eligible entities that want to earn interest.

Account Highlights:

  • $2,500 minimum balance required – otherwise a $7 monthly service charge
  • $1,000 minimum balance required to earn interest.
  • Pays interest on Average Available Balance.

Transaction Fees:

  • $0.20 per deposit
  • $0.15 per debit
  • $0.06 per deposited item

Money Market Account

Account Highlights:

  • $2,500 minimum opening deposit
  • Maintain $2,500 average daily balance – otherwise a $10.00 monthly service charge.
  • Earn interest, no minimum balance required.
  • Current rates available upon request.

Saving Account

  • $100 minimum opening deposit
  • Maintain $200 minimum balance, otherwise a $3.00 quarterly service charge.
  • Earns interest
  • Current rates available upon request

Merchant Services

  • Available on all business accounts.
  • Offer credit/debit card payment options to your customers.
  • Get paid faster



Online Banking for Business

  • Remote Deposit Capture (RDC) – Easily scan and process checks at
    your place of business
  • Generate ACH files (payroll, vendor payments)
  • provide direct deposit for employees
  • pay vendors faster
  • Allow designated individuals access to manage your business account
  • Provide employee debit cards for expenses
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Through our partnership with IntraFi®, our customers have accesss to multi-million dollar insurance coverage, so you can have the peace of mind, knowing you’re protected against loss. Ask us for details.

Other Products & Services Available

Special Banking Services

  • Mobile Banking
  • Instant Issue Debit Cards
  • Credit cards
  • Cashier’s Checks/Money Orders
  • Individual Retirement Accounts (IRAs)
  • Bill Pay
  • Direct Deposit – Get paid up to two days faster

Certificates of Deposit (CDs)

  • $1,000 minimum opening deposit
  • Automatically renewable
  • Terms from 30 days to 5 years

Save Deposit Boxes

Cost ranges from $14 to $50 annually.
Various sizes available. *Not FDIC insured

Surcharge-Free ATMS

  • Bennett, 1077 Cedar St., Bennett, CO
  • Burlington, 410 14th Street, Burlington, CO
  • Cheyenne Wells, 25 E 1st Street N, Cheyenne Wells, CO
  • Farmers & Merchants Bank, 240 W. 4th St., Colby, KS
  • Farmers State Bank, 100 Center Ave, Oakley, KS, Security State Bank: Hwy 83, Scott City, KS (2 Locations), 117 N. 4th St., Leoti, KS
  • Farmers & Merchants Bank-Dillons Location, 1605 S. Range, Colby, KS

No Fee ATMs

Farmers & Merchants Bank of Colby 

  • ​240 W 4th Street, Colby, KS
  • Dillons Location – 1605 S Range, Colby, KS

F&M Bank in Colorado 

  • 410 14th Street, Burlington, CO
  • 25 E 1st Street N, Cheyenne Wells, CO
  • 1077 Cedar Street, Bennett, CO

Farmers State Bank 

  • 100 Center Ave, Oakley, KS
  • 3685 Highway 40, Oakley, KS
  • 739 Main Street, Eudora, KS
  • 1303 Church Street, Eudora, KS

Security State Bank 

  • Hwy 83, Scott City, KS (2 Locations)
  • 117 N 4th Street, Leoti, KS
  • 110 W. Avenue B, Syracuse, KS
  • 1701 E. Mary Street, Garden City, KS
  • 1606 E. Kansas Avenue, Garden City, KS

Relationship Banking Benefits

All business checking customers with qualifying relationships gain access to enhanced banking support, including:

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Commercial loan eligibility

financial-confidence

Business savings and deposit options

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Personalized service from our business banking team

24/7 Fraud Monitoring

Your security is our priority.

Our debit card fraud department monitors card activity around the clock. If we detect suspicious transactions, you may receive a text or automated phone call. We will never ask for your card number via text or phone.

Keep your contact information up to date to ensure timely alerts.

Questions or Concerns?

Call us directly—we’re here to help.

Contact Our Local Branch