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Due to the current COVID-19 Pandemic, until further notice our Clayton branch lobby will be closed to the public, with access by appointment only. Our Des Moines branch will be open from 10AM – 4PM and locked, but accessible during business hours by knocking or calling our main number. Our Roy branch will only be open on Tuesday’s from 10:30AM – 1:30PM. Please click the “Locations” tab for our branch phone numbers.

Commercial Banking

Commercial Banking

At Farmers & Stockmens Bank, you don’t need to take the time to explain the unique needs associated with running an agricultural or small business. Rather, we get right down to helping your business grow and prosper through our knowledgeable, friendly approach to commercial banking.

Commercial Banking Services

Loan Services

Learn More

Treasury Management

Learn More

Commercial Banking Products

Small Business Checking

This versatile and low-cost account is perfect for small-sized businesses with low to moderate account activity.

Basic Commercial Checking

This versatile and low-cost account is perfect for medium-sized businesses with low to moderate account activity.

Regular Commercial Checking

For more complex business models, this account allows you flexibility as you expand your business.

Interest Checking Business

This account is designed for sole proprietorships and non-profit organizations with a competitive interest rate and generous activity allowance.

Investment Plus Business

With limited check-writing access, a competitive interest rate, and unlimited deposit transactions this account is a smart money-management tool for businesses with excess liquidity.

Money Market Business

With limited check-writing access and a competitive interest rate, this account is a smart money-management tool for businesses with excess liquidity.

Commercial Savings

An interest-bearing account allows your money to work for you while maintaining access to liquidity.

Which Account is Right for Me?

Our goal is to offer you the services that make a difference in your financial picture. The chart below details the benefits and requirements of each account type.

  • Accounts
    & Features
  • Minimum
    balance to
    open
  • Minimum
    daily collected
    balance
  • Monthly
    Service Fee

    (If balance falls below minimum)
  • Account
    Features

    (Could be subject to approval)
  • Other
    Monthly
    Features
  • Excessive
    Activity Fees
  • Small
    Business
    Checking
  • $100
  • $500
  • $8
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • Unlimited
    checkwriting
  • None
  • Regular
    Commercial
    Checking
  • None
  • None
  • No minimum

    $7 monthly maintenance fee
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • $.13/each debit item

    $.13/each deposit

    $.075/each item deposited
  • None
  • Basic
    Commercial
    Checking
  • None
  • $2,000
  • $11 monthly
    maintenance fee
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 50 free items per month
  • $.20/each item over 50
  • Interest
    Checking
    Business
  • $500
  • $500
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 75 free debit items

    12 free credit items

    50 free deposited items

    25 free ACH deposits

    12 free ACH credits
  • $.30/debit over 75 items

    $.25/credit over 12 items

    $.15/credit over 12 items

    $.30/ACH debit over 25 items

    $.25/ACH credit over 12 items
  • Investment
    Plus
    Business
  • $1,000
  • $1,000
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 6 free debit items
  • $10/debit 
over 6 items
  • Money
    Market
    Business
  • $10,000
  • $5,000
  • $11
  • Free debit card

    Free online banking

    Free online bill pay

    Free telephone banking

    Free mobile banking
  • 6 free debit items

    10 free credit items

    50 free deposited items
  • $.25/credit over 10 items

    $.15/item deposited over 50 items

    $10/debit over 6 items
  • Commercial
    Savings
  • $100
  • $100
  • $6
  • Free telephone banking

    Free online banking

    Free mobile banking
  • 6 free debit items
  • $1.50/debit
    over 6 items