Business Regular Checking
- Minimum balance to open – $100
- No monthly service charge with average daily balance of at least $100 ($6 fee if average daily balance falls below $100)
- First five ATM surcharge fees per month reimbursed
- Mastercard® debit cards with approved application
- Unlimited check writing
- Free online banking with bill pay and e-statements
- Free mobile banking
- Combined monthly statement
Business Interest Checking
- Minimum balance to open – $750
- No monthly service charge with average daily balance of at least $750 ($6 fee if average daily balance falls below $750)
- Account will earn interest if the average daily balance is $750 or greater
- Interest will be compounded daily and credited monthly
- First five ATM surcharge fees per month reimbursed
- Mastercard® debit cards with approved application
- Unlimited check writing
- Free online banking with bill pay and e-statements
- Free mobile banking
- Combined monthly statement
Business Money Market
- Minimum balance to open – $1,000
- No monthly service charge with average daily balance of at least $1,000 ($6 fee if average daily balance falls below $1,000)
- Account will earn interest if the average daily balance is $1,000 or greater
- Interest will be compounded daily and credited monthly
- Interest rate based upon daily balance (see Rates page for current rates)
- Free online banking, bill pay and e-statements
- Free mobile banking
- Free first box of checks when account is opened
- Combined monthly statement
- Combined monthly statement
Certificates of Deposit (CD)
- Minimum balance to open – $1,000
- Terms range from 91 days to 60 months
- Interest compounds daily
- Free online and mobile banking
- Choice to withdraw interest monthly, quarterly, or semi-annually by either check or direct deposit to a Farmers-Merchants Bank of Illinois account
- A penalty may be imposed for early withdrawals
