Business Checking

Tailored business checking for every stage of growth.

Which Business Checking Account is Right for You?

Small Business

$75

Minimum Opening Balance

$0 if less than 100 debit transactions per month and receive e-statements

$0.25 for every debit transaction over 100 per month

$3 return item fee and overdraft fees still apply
No charge for 1st card or stolen card. $10 fee for lost or damaged card

1st Bag: Free
Addt’l Bags: $5
Lock Bag: $20

Commercial

$75

Minimum Opening Balance

A competitive earnings credit will be applied based on the average monthly balances against Account and Business Solutions service fees.

$0.10 per debit item

$3 return item fee and overdraft fees still apply
No charge for 1st card or stolen card. $10 fee for lost or damaged card

1st Bag: Free
Addt’l Bags: $5
Lock Bag: $20

Business Interest

$75

Minimum Opening Balance

Tiered interest-bearing structure on balances of $10,000 and up. With each tier, the annual percentage yield is higher.

$6 service fee per month

$0.10 per debit item

$3 return item fee and overdraft fees still apply
No charge for 1st card or stolen card. $10 fee for lost or damaged card

1st Bag: Free
Addt’l Bags: $5
Lock Bag: $20

Bronze (Non-Profit)

$300

Minimum Opening Balance

$3 service charge if balance falls below $300 on any day of the statement

$0

$3 return item fee and overdraft fees still apply
No charge for 1st card or stolen card. $10 fee for lost or damaged card

1st Bag: Free
Addt’l Bags: $5
Lock Bag: $20

Public Funds Checking

Public Funds Interest Checking
  • $1,000 minimum opening deposit
  • $10 service fee if daily balance falls below $1,000
  • Earns interest
  • Free paper or electronic statement
 Public Funds Non-Interest Checking
  • $75 minimum opening deposit
  • No monthly maintenance fee
  • Non-interest bearing
  • Free paper or electronic statement

Public Funds refer to state, federal and local municipality agencies’ deposit accounts (checking, savings, or time deposits). These types of deposit accounts require that the entirety of the funds over the entity’s Federal Deposit Insurance Coverage (FDIC) limit be guaranteed by the financial institution. Farmers & Merchants Bank and The Bank of Fayetteville utilize two resources for collateralizing public funds monies to ensure sufficient coverage is in place. 

Additional account and pledging documentation is required during the account opening process. We are proud to partner with local and statewide public funds entities to keep funds within our community close to home.  Connect with us to get started today.

Business Solutions

Unlock your business’s potential and drive new growth with our specialized cash management and lending options. Discover how we can support your business’s success.

Learn More

Farmers & Merchants has stayed true to their roots. They are a great resource for small businesses in NWA!

Ryan Swonger
Elite Cleaners

They care a lot about my business and where I am going to be in 5, 10 or 15 years. They are a big bank with a small-town feel. They have a big heart and are willing to help anybody they can.

Skip Compton
RedRock Paving, LLC