Click to print page


  F & M Basic Business F & M Business F & M Commercial F & M Community Checking
(Only Public Funds or Non-Profits)
Minimum Balance to Open $100 $100 $100 $1,000
Earnings Credit     Variable, call for details  
Minimum Balance None $3,000 None $1,000
Monthly Maintenance None None $9  
Minimum Balance Service Charge*** None $7 None $10
Item Fee* 150 Free per statement
151 & over $.25 each
250 Free per statement
251 & over $.25 each
*Item charges apply, which may be offset by Earnings Credit None
Uncollected Fund Rate       10%
Reserve Requirement None None 10% None
Check Images on Monthly CD for additional fee for additional fee for additional fee for additional fee
Images Returned with
Monthly Statement
Yes, Free Yes, Free Yes, Free Yes, Free


Free With All Business Checking

  • Free Visa Business Debit Card
  • Free Internet Banking
  • Free Telephone Banking

*See Brochure
**Subject to card account terms.
***Minimum Balance Service Charge will be assessed on a monthly basis if the balance in the account falls below the minimum on any day.

For assistance or more information contact Charla Nelson at 319-754-2266 or

© 2019 F&M Bank & Trust

Website designed by ProfitStars