Personal Checking Accounts

Farmers & Merchants Bank offers several checking solutions to fit your specific needs. We have accounts that offer unlimited check writing and others which offer interest paid monthly. Come in and talk to one of our friendly Farmers & Merchants Bank representatives, we have a checking account for you.

Select a Product From Below:



5 Star Protection Account

The highest, most luxurious account available.

  • No minimum balance required
  • IDProtect® - Identity Theft Protection Service¹
  • Cellular phone protection
  • Accidental Death & Dismemberment Insurance, $10,000 coverage²
  • Free standard checks
  • Discount of $2.00 for account owners 60+
  • Initial overdraft protection of $100 for qualifying accounts
  • Overdraft protection of $1,000 after 90 days for qualifying accounts
  • ATM/SHAZAM Check card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Depository, Mobile Banking and Online Banking
  • Monthly statement - Free online banking statement or $2 fee for paper statement
  • Monthly fee of $5.16 (See Fees)

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of our guaranteed by the bank or any bank affiliate.

¹ IDProtect® service is a personal identity theft protection service available to account owner(s) and their family.  Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.  Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

²Accidental Death & Dismemberment Insurance underwritten by Plateau Insurance Company of Crossville, TN.

Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete terms, conditions and exclusions of coverage.


Gold Star Account

Limited to individuals, sole proprietors, not-for-profit, civic groups and governmental units. 

A high service, interest bearing account to help build your assets.

  • Tiered interest rate based on balance
  • Minimum $1,000 opening deposit
  • Interest credit to account monthly
  • Initial overdraft protection of $100 for qualifying accounts
  • Overdraft protection of $750 after 90 days for qualifying accounts
  • ATM/SHAZAM Check card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit, Mobile Banking and Online Banking
  • Monthly statement - Free online banking statement or $2 fee for paper statement
  • Monthly fee of $9 if average daily balance falls below $1,000 (See Fees)

Star Account

A basic, no frills, budget friendly account for everyone.

  • Minimum $100 opening balance
  • Initial overdraft protection of $100 for qualifying accounts
  • Overdraft protection $750 after 90 days for qualifying accounts
  • ATM/SHAZAM Check card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit, Mobile Banking and Online Banking
  • Monthly statement - Free online banking statement or $2 fee for paper statement
  • Monthly fee of $8 if actual daily balance falls below $500 (See Fees)

Rising Star Account

One of many rewards of being a student.

  • Age limit of 23 years old
  • No minimum balance required
  • Overdraft protection of $100 for qualifying accounts
  • ATM/SHAZAM Check card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit, Mobile Banking and Online Banking
  • Monthly statement - Free online banking statement or $2 fee for paper statement
  • No service charge (See Fees)

Overdraft Privilege Program

Farmers & Merchants Bank provides you with Overdraft Privilege, an added customer services that protects your checking account when inadvertent overdraft occurs. We know you will appreciate the added convenience and peace of mind with Overdraft Privilege.  

  • Protects you from merchant returned check charges and collection agency fees
  • Protects you from the embarrassment of returned checks
  • Protects your good credit
  • Overdraft check fees applied to overdrafts created by check, in-person withdrawal, or other electronic means.
  • A $30.00 Overdraft charge will be assessed for each item that draws your account negative. Also, a $5.00 Daily Overdraft charge will be assessed for each day your account is negative.
  • You then have thirty (30) days to bring your account current.
  • If the account has been open at least ninety (90) days and maintained in good standing, defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less; and; C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits set at account opening, including our normal Overdraft charge.

It happens to all of us. You make an honest mistake in your checkbook. Unusual or unforeseen circumstances popped up at just the wrong time.


24-Hour Banking  

Farmers & Merchants Bank provides these other services that allow you to do your banking around the clock - 7 days a week.

  • Debit Cards - Using your debit card makes paying for purchases and getting cash a cinch anywhere in the world. No waiting for check approval or keeping up with that bulky checkbook. (Lost/Stolen card information)
  • ATMs - Cash withdrawals and account information available at any Farmers & Merchants Bank ATM or others containing the SHAZAM®, Pulse, Cirrus or VISA/MasterCard logos. Fees may be assessed for using non-Farmers & Merchants Bank ATMs. ATMs not owned by Farmers & Merchants Bank may assess surcharge fees for ATM usage. Look for the SHAZAM Privileged Status symbol on participating ATMs for surcharge free usage. Click here for ATM Locator.
  • EZ Access Telephone Banking - Anytime you have access to a telephone, you can use Farmers & Merchants Bank convenient EZ Access telephone banking to give you account information, transfer funds, fax or Email account history. Loan payment may be transferred from your checking and savings accounts. Dial 731-669-3777 or 877-389-6479.
  • Mobile Banking - Download Farmers & Merchants Bank's custom mobile app to enjoy convenient banking at your finger tips.  The mobile app gives you access to your account information, allows you to transfer funds, pay bills and much more.  Available on Apple and Android devices including tablets.  Call today to get your app set up. Dial 731-669-3777 or 877-389-6479.