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after normal banking hours, call

1-800-383-8000

Business Banking Products

Deposit Accounts

Farmers & Merchants State Bank offers several types of business accounts allowing customers to choose which type of account will best suit their needs.
 

Business Free-N-Easy Account
This is our "basic" non-interest bearing checking account. This account has no minimum balance, no service fee, and no per withdrawal item charges.  Safekeeping of checks for your convenience.   Ready Reserve is available to qualified applicants.*

Business Classic Account
With a minimum required balance of $500, your account will remain free of service charges.  Ready Reserve is available to qualified applicants.*

Business N.O.W. Account
If your business is not incorporated or not a legal partnership, we can offer you a variable interest rate on your checking account. Ready Reserve is available to qualified applicants.*

Classic Savings Account
Enjoy no minimum required balance and unlimited transactions.  Interest is compounded quarterly and statements are distributed semi-annually.  There is no service charge or activity fee on this account.

Money Market Savings Account
Our Money Market Savings Account is a tiered savings plan with a varying interest rate based on your account balance.  Interest is compounded quarterly and statements are distributed quarterly.  Transactions are limited.*
 

* Accounts not meeting the minimum balance requirement are subject to monthly service charges and/or per check fees. Other restrictions apply.  Please contact a customer service representative for complete account details and disclosures.

Business Loans

Farmers & Merchants State Bank offers a full array of credit and loan options for business customers. Our Commercial Lending Department is dedicated to providing the best in timely service to compliment our highly competitive products. Loan and credit products are flexible as we strive to meet your needs. Some of the most common business loan products offered follow:

Lines of Credit
Farmers & Merchants State Bank can provide your business with a line of credit to finance short-term operating expenses, purchase inventories, or finance accounts receivable. These loans can be established in both revolving and non-revolving forms.

Equipment and Asset Financing
When the need for new equipment arises, come to Farmers & Merchants State Bank. We offer loans for acquisition of equipment at competitive rates. As always, all decisions are made in the shortest time possible, allowing you to get back to business.

Commercial Real Estate and Construction Loans
Whether you're a new business in need of an operating facility, or an expanding business purchasing or building a new warehouse, Farmers & Merchants State Bank can assist you. We offer competitive rates and our professional staff can process your request quickly, saving you time and money.

SBA Loan Program
Farmers & Merchants State Bank works closely with the SBA to offer products to business customers who may not qualify for traditional Bank financing. Farmers & Merchants State Bank offers Loans through the SBA 7(a) loan program and the SBA 504 loan program.