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.
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
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
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
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
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 minimum daily balance remains above $2,500. (See Fees)
- Interest credited to account monthly - Account subject to lower earnings and additional fees when minimum daily balance falls below $2,500.
- ATM/SHAZAM Chek card available
- 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
- Monthly Image Statement
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 minimum daily balance remains above $1,000. (See Fees)
- Interest credited to account monthly - Account subject to lower earnings and additional fees when minimum daily balance falls below $1,000.
- ATM/SHAZAM Chek card available
- 24-hour ATM, EZ Access Telephone Banking, Night Deposit and Online Banking
- Monthly Image Statement
Benifit 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
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
- 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

Farmers & Merchants Bank provides these other services that allow you to do your banking around the clock - 7 days a week.
- SHAZAM Chek Cards - Using your MASTER MONEY Card has made 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. 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 669-3777 or 877-389-6479.
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