COVID-19 Update

FMS Bank branch lobbies are open effective June 15, 2020. While we’re hopeful to soon return to normal operating procedures, our priority will continue to be the health and safety of our employees, customers and our communities. We are not requiring customers to wear face masks, but for security purposes we ask you to please remove your mask briefly to identify yourself before coming in.

Should you have further questions or need banking assistance over the phone, please call your local Greeley branch at (970) 673-4501 or your Fort Morgan branch at (970) 867-3319.

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Small Business Loans


All business checking accounts include free instant issue VISA debit cards with the opportunity to turn on/off in real-time to ensure authorized usage.
Small Business Checking – for businesses with a lower level of account activity

    • $100 to open an account
    • No fee for the first 250 deposited items or withdrawals.
    • A service charge of $10.00 will be assessed for each statement period when the daily balance in the account falls below $1000.00.
    • A fee of $0.15/item will be charged for each item in excess of 250 withdrawals and deposit items combined

Business Checking – For businesses with a moderate to a high level of account activity

  • $100 to open an account
  • $10 monthly service charge;
  • Account Analysis Charge:
    • Items Paid On Account – $0.15/item
    • Items Deposited (on us) – $0.05/item
    • Items Deposited (local) – $0.12/item
    • Items Deposited out of Fed District – $0.12/item

Businesses earn a credit on this account that is applied to reduce account fees. This earnings credit is calculated by applying the market rate to the investable balance for the monthly statement cycle. The earning credit is subject to change and will not exceed your total account fees.


Business Savings – for unexpected expenses

  • $100 to open an account
  • A service charge of $3.00 will be imposed every quarter if balance falls below the $300 minimum daily balance requirement
  • A debit activity fee of $1.25 will be charged for each debit transaction (withdrawal, auto-transfer or payment out of this account) in excess of six during the quarter.

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