Farmers and Merchants Bank offers numerous other convenient services such as:

• Overdraft Courtesy
• Travelers Checks
• Cashiers Checks
• Direct Deposit
• Safe Deposit Boxes
• Night Depository
• Wire Transfers
• Notary Service

Overdraft Courtesy

• 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 $26.50 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 mentioned above, including our normal Overdraft charge.

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

Farmers & Merchants Bank provides you with Bounce Safe Overdraft Courtesy, 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 Bounce Safe Overdraft Courtesy.

Bounce Safe Overdraft Courtesy - Because the last thing you want to worry about is a bounced check!