Business Accounts
Put your Business Balances to Work
Our business checking accounts include account analysis, a powerful feature designed to help businesses reduce banking costs while gaining greater visibility into their account activity.
Each month, service charges are calculated based on your account activity and services used. These charges can be offset by an Earnings Credit Allowance (ECA), which is calculated using your average collected balance. The higher your collected balances, the more earnings credit may be available to help reduce or fully offset eligible service fees.
Benefits of Account Analysis
Earnings Credit Helps Reduce Risk
Your collected balances generate earnings credits that can be applied to eligible banking and treasury management service fees. Maintaining higher balances in non-interest-bearing accounts may help lower your overall banking costs and, in some cases, fully offset monthly charges.
Clear Monthly Reporting
Each month, you’ll receive a detailed analysis statement that provides a transparent look at your account activity, service charges, and earnings credits applied. You’ll always know how your account is performing and where value is being generated.
Consolidated Relationship Reporting
Multiple business accounts can be linked together for one holistic view, allowing balances to work together to maximize earnings credits and provide a more complete picture of your business’s cash position.
Access to Treasury Management Solutions
Our business checking accounts can be paired with a variety of treasury management services and managed within online banking.
- ACH Origination
- Wire Transfers
- Remote Deposit Capture
- Positive Pay
Improved Cash Flow Visibility
Detailed reporting and account analysis provide valuable insight into your cash flow, helping you make informed decisions and better manage working capital.
Accounts
Ultimate Business Checking Account
- No minimum deposit or balance
- Access to a complete online banking and mobile banking suite of products & services
- Contactless debit card
- Free foreign ATMs* when you sign up for eStatements
Business Savings Account
- Interest bearing
- No minimum deposit or balance
- No transaction limits
- Access to a complete online banking and mobile banking suite of products & services
- Contactless ATM card
Business Money Markets
- Tiered interest-bearing
- No minimum deposit or balance
- Access to a complete online banking and mobile banking suite of products & services
- No transaction limits
*Customers may incur a surcharge by the ATM proprietor when they use a non-Farmers & Merchants Bank ATM