Farmers & Merchants Bank of Western PA | Business Banking

Business Banking | Accounts

Free Business Checking

The Free Business Checking account was designed with the small business in mind. NO service fees and NO minimum balance requirement make this account easy to manage.

NO minimum balance requirement
NO monthly service fees
Unlimited check writing - $50 credit towards your first order of business checks
Free ATM / Debit Visa® Business Check Card
Free ATM transactions on the Freedom ATM Alliance network
Unlimited teller transactions
Net Banker - Free Online Banking
In Touch - Free Telephone Banking
Unlimited FDIC Coverage
$50.00 minimum deposit to open

Business Checking with Interest *

This account is ideal for sole proprietorship or non-profit organizations that would like to earn interest on their money.

Unlimited Check Writing - $50 credit towards your first order of business checks
FREE ATM / Debit Visa® Business Check Card
Free ATM transactions on the Freedom ATM Alliance network
Unlimited teller transactions
Net Banker - Free Online Banking
In Touch - Free Telephone Banking
To obtain the disclosed annual percentage yield you must maintain a $1,000.00 minimum daily balance
$5.00 monthly service charge if average daily balance is below $1,000.00
Interest compounded daily, credited monthly
$50.00 minimum deposit to open

Business accounts are designed for average volume. High volume customers may be subject to account analysis.

* Interest begins to accrue on the business day we receive your deposit. Interest rate and annual percentage yield may change at our discretion on your account.

Daily Balance	Minimum Opening Deposit Amount	Minimum Balance to Obtain APY	Interest Rate	APY
$1,000 - $24,999.99 b.	$50	$1,000 c.	0.25%	0.25%
25,000.00 – 99,999.99 b.	$50	$1,000 c.	0.35%	0.35%
$100,000.00 + b.	$50	$1,000 c.	0.50%	0.50%

a. A penalty may be imposed for early withdrawal.
b. The interest rate and annual percentage yield may change after account opening.
c. Daily balance. The amount of the principal in the account each day.

Rates are accurate as of (2-10-2010) and subject to change before or after account opening.
*APY—annual percentage yield is calculated using the daily balance method.
Fees may reduce earnings.
Please phone 724-543-1125 for inquiry or other rates currently available.

Cash Management

Need more time to manage your business? We can help, with our convenient cash management service offered exclusively to Farmers & Merchants Bank business customers. This service is fully integrated with Net Banker and allows individual user IDs with selective account access and functions.

The following Cash Management services are provided as a bundled package:

Offer Direct Deposit - Payroll direct deposit provides the ability to offer direct deposit to your employees
Debit customers accounts for payment - ACH Payment or Receipt streamlines your accounts receivables and/or payables process by directly charging your customers’ or vendors’ account
Transfer your funds between financial institutions
Business Visa® Check Card Program - Assign individual debit card limits and functions to authorized employees
Save on postage, checks, and other stationary materials - Internet BillPayer eliminates the hassles associated with preparing and mailing monthly payments
Download your account transactions to Microsoft Money, Intuit QuickBooks, and most other accounting software programs
Available 24 hours a day, 365 days a year from any Internet connection
Receive free personal on-site set up and assistance by calling Brad at 724-548-9229

Learn about your FDIC coverage