All of our personal checking accounts have unlimited check writing privileges and provide monthly account statements containing check images for your record keeping convenience. Our checking account customers can access ATMs through our membership in the STAR, CIRRUS, and Allpoint ATM networks.
Our “Free” checking account has no balance requirement, no monthly maintenance fee, or per item charges, and has a $500 Overdraft Privilege, if you so desire.
Our NOW account pays a competitive rate of interest, providing a $600 average daily balance is maintained. It also has a $500 Overdraft Privilege, if you so desire. No interest will be credited if your average daily balance falls below $600 and you will be assessed a $4.00 maintenance charge plus $.25 for each debit (excluding ATM or Point-of-Sale (POS) transactions).
Our Super NOW account is a high yield checking account. To earn the Super NOW account interest rate on this account an average daily balance of $1,000 must be maintained. It also has a $500 Overdraft Privilege, if you so desire. If your average daily balance for the month is between $600 and $1,000, you earn interest at the NOW Account rate. If your average daily balance falls below $600, no interest will be credited and you will be assessed a $4.00 maintenance charge plus $.25 for each debit (excluding ATM or Point-of-Sale (POS) transactions).
For our “Prime of Your Life” checking account, there is no service charge or balance requirement associated with this account. You must be 55 years of age, or older, to qualify for this account. This account pays a competitive rate of interest, providing a $1,000.00 average daily balance is maintained. It also has a $500 Overdraft Privilege, if you so desire. Additional services tied to "Prime of Your Life" Checking Accounts include:
Quicken® and QuickBooks® users - Get even more from your personal or business accounting software. Automatically update records and reconcile accounts faster. Farmers and Merchants Bank’s Internet Banking service offers web-connect interface to Intuit Quicken® and QuickBooks® financial software applications for 2013, 2014, and 2015 versions. Internet banking transactional account information can be exported seamlessly into your personal Quicken® or QuickBooks® applications for business customers. Simply navigate to the Account History link, and proceed to the Export History tab, to export your account transaction history to either desired application. Farmers and Merchants Bank is committed to delivering secure and efficient banking solutions to our customers.
Farmers and Merchants Bank's Deluxe© Check Re-Order program is conveniently available online to facilitate standard re-order requests for personal check styles and deposit tickets. Simply click on the Deluxe icon below which will navigate you to the Deluxe© reorder web link located in the lower right sector of their website.
|NSF-Returned Checks/per item
|Statement Reconcilement per hour
|Copy of Any Item
|Check Cashing (Non-Customer)
|Wrapped Coin (Non-Customer) Roll
|Banded Notes (Non-Customer) Band
|Closing Account (6 mos.)
|Bulk Coin-5% of total ($5.00 minimum)||$5.00|
|Foreign - Outgoing||$50.00|
|Returned Deposited Item/per item||$10.00|
|Dial-A-Bank Automated Telephone Transfer||n/c|
|Automatic Transfer (OD Protection)||$5.00|
|Night Deposit Bags-Zipped||$5.00|
|Night Deposit Bags-Locked||$25.00|
|Foreign ATM Transaction Fee (AllPoint, STAR/CIRRUS ATM Network)||$1.00|
|Replacement VISA Debit Card Fee||$5.00|
|Sending (U.S.) 1st page||$3.00|
|Fax Services-Sending (Foreign) 1st page||$5.00|
|Safe Deposit Box|
|3 x 5||$20.00|
|5 x 5||$32.50|
|3 x 10||$40.00|
|5 x 10||$65.00|
|10 x 10||