Personal Checking Accounts

Farmers and Merchants Bank has a variety of checking accounts to fit your busy lifestyle and we’ll help find the checking account that’s perfect for you.

UNLIMITED Free Checking

• No monthly service charge
• Unlimited check writing
• ATM/debit card
• Overdraft privilege

Regular Checking

• Unlimited check writing
• ATM/debit card
• Overdraft privilege
• $600 balance waives monthly service charge

Advantage Checking

• Free personalized checks**
• Unlimited check writing
• ATM/debit card
• Overdraft privilege*
• $10,000 Accidental Death Insurance
• Cash back for everyday purchases
• Discounts via telephone shopping network
• Date reminder service

Gold Club
(Customers age 55 and older)

• Maintain a $5,000 minimum in any Farmers and Merchants Bank account.
• Interest-bearing checking account
• Unlimited check writing
• Free checks**
• Free notary service
• No-fee travelers checks
• Group travel information and special events

Senior Account
(Customers age 65 and older)

• Free Checking
• Free Checks**

NOW and MoneyMarket Accounts — the highest interest on checking

Make your money grow with these interest-bearing checking accounts. Rates may vary.

• ATM/debit card
• Overdraft privilege
• Unlimited check writing on NOW account
• $1,000 balance in NOW account waives monthly service charge
• $2,500 balance in MoneyMarket account waives monthly service charge

Overdraft Privilege

• $300 to $500 in overdraft coverage available*
• At least one deposit a month is required