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:



Club Checking

Our most popular option - The high value proposition. Our club account offers unlimited check writing and other valuable benefits such as discount travel and life insurance. Available for individuals and families.

  • Unlimited check writing
  • Minimum balance to open - $100.
  • Flat monthly fee (See Fees)
  • Monthly Image Statement
  • Accidental death insurance* ranging from $10,000 to $30,000
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Depository and Online Banking
  • Safe Deposit Box Discount (based on availability)
  • Free cashier checks (six per year)
  • Free notary service
  • Free photocopies (10 per month)
  • Free issue on travelers checks
  • Credit Card Protection
  • Automatic Loan Payments
  • Car Rental, Lodging & Dining Discounts
  • $5.00 Savings Account for each newborn child
  • Household Inventory
  • Identity Theft Insurance
  • Coast to Coast Vision Plan
  • Prescription Drug Program

*Insurance is:

NOT A DEPOSIT NOT GUARANTEED BY THE BANK OR ANY FEDERAL GOVERNMENT AGENCY
NOT FDIC-INSURED SUBJECT TO LOSS OF VALUE

Primetime

Designed for customers at least 55 years of age. Features such benefits as:

  • Unlimited check writing
  • Minimum balance to open - $100.
  • No service charge (See Fees)
  • Direct Deposit Social Security Checks
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement

Regular Checking

Our standard checking account. Simple, efficient.

  • Minimum balance to open $100.
  • No service charge or per check charge if minimum daily balance stays above $500 (See Fees)
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement

Student Checking

Ideal for students who cannot maintain higher balances and want unlimited check writing. (for full-time high school and college students)

  • Unlimited check writing
  • Minimum balance to open $100.
  • No service charge
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement

Super NOW

Interest bearing, yet accessible without harsh penalties. Keep your money on demand and earn interest.

  • Unlimited check writing
  • Minimum balance to open $2,500.
  • No service charge if the average daily balance for the month remains above $2,500 (See Fees)
  • Interest is credited to account monthly - Account subject to lower earnings and additional fees when the average daily balance for the month falls below $2,500.
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement

NOW Account

Interest bearing and allows you to maintain a lower minimum balance while keeping your money at hand.

  • Unlimited check writing
  • Minimum balance to open $1,000.
  • No service charge if the average daily balance for the month remains above $1,000 (See Fees)
  • Interest is credited to account monthly - Account will no longer receive earnings and additional fees will apply when the average daily balance for the month falls below $1,000.
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement

Educators' Edge

Benefit packed account designed for educators who have at least one direct deposit per month.

  • Direct deposit of payroll required
  • Unlimited check writing
  • Minimum balance to open $100
  • No service charge
  • $10,000 accidental death insurance (individual only)
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement
  • Safe deposit box discount (based on availability)
  • Free cashier checks (six per year)
  • Free notary service
  • Free photocopies (ten per month)
  • Free issue on travelers checks
  • Credit card protection
  • Automatic loan payments
  • Money management counseling
  • Car rental, lodging and dining discounts

Direct Checking

If you have a monthly direct deposit, this is the account for you.

  • Unlimited check writing
  • Minimum balance to open $100
  • Monthly direct deposit required
  • No service charge if the account has an ACH direct deposit each month (See Fees)
  • First box of checks free
  • ATM/SHAZAM Chek card available
  • 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
  • Monthly Image Statement

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.  Call today to get your app set up.  Dial 731-669-3777 or 877-389-6479.