Business Savings
Savings Solutions for Your Business Needs
A healthy business needs more than a checking account. Our business savings options are designed to help you build reserves, earn interest, and plan confidently for the future, with secure accounts, flexible access, and the personal service of a community bank.
Business Savings Account
Grow Your Business Reserves with Confidence.
Every successful business needs a strong financial foundation. A Business Savings Account at Farmers & Merchants Bank helps you build and protect that foundation while earning interest on your reserves.
Benefits
- Earn interest while keeping funds liquid
- Maintain FDIC insurance protection
- Access your money whenever you need it
- Simple, straightforward account management
Perfect For
- Small Businesses & Startups: building a financial cushion or preparing for the unexpected.
- Established Companies: separating operating funds from reserves to maximize efficiency.
- Non-profits & Community Groups: managing donations and grants safely and securely.
- Seasonal Businesses: setting aside money in peak months to cover expenses year-round.
- Businesses Planning for Growth: saving toward expansion, new equipment, or future opportunities.
Business Money Market Account
Earn More While Keeping Access to Your Funds.
When your business reserves start to grow, you need an account that rewards you with higher interest while keeping your funds accessible. A Business Money Market Account at Farmers & Merchants Bank offers the perfect balance between liquidity and earnings.
Benefits
- Tiered interest rates—earn more as your balance grows
- FDIC insured up to applicable limits
- Easy access to funds by check or transfer
- Secure place to keep larger balances working for your business
Perfect For
- Businesses with Higher Balances: that want to earn more interest than a standard savings account provides.
- Organizations with Cash Reserves: keeping funds safe while growing them with tiered interest rates.
- Companies Needing Flexibility: that want the ability to access money when needed without locking it into a long-term CD.
- Seasonal & Project-Based Businesses: that build up reserves during peak seasons or before major expenses.
- Growth-Minded Businesses: saving strategically for expansion, renovations, or future investments.
- Non-profits & Associations: looking to maximize earnings on grant or donation funds while maintaining FDIC insurance protection.
Business Certificates of Deposit (CD)
Lock in Your Earnings with Guaranteed Returns.
When your business has extra funds that you don’t need right away, a Business Certificate of Deposit (CD) is a smart way to grow your money with guaranteed, fixed returns. Farmers & Merchants Bank offers flexible terms so you can choose what works best for your financial goals.
Benefits
- Competitive, fixed interest rates
- Flexible terms to fit your business needs
- FDIC insured up to applicable limits
- No market risk—guaranteed growth when held to maturity
Perfect For
- Businesses with Extra Cash Reserves: that want to set aside funds for a fixed term to earn a higher, guaranteed rate.
- Companies Planning Ahead: saving for future projects, renovations, or major equipment purchases.
- Organizations with Predictable Expenses: that don’t need immediate access to all their funds.
- Non-profits & Associations: looking for safe, steady growth of donations or endowment funds.
- Risk-Averse Businesses: that prefer guaranteed returns over market-driven investments.
Ready to Get Started?
Stop by any of our branches to learn more about our current offerings and rates.