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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.

Personal Checking

F&M Checking

Need a little more protection? Then this checking account is ideal for you. You get unlimited check writing, an ATM/debit card, and an available $500 in overdraft protection (normal overdraft fees apply*). And it’s all free, as long as your daily balance doesn’t fall below $600! (service fee of $6 a month applied if daily balance falls below $600 and day of the statement cycle. $75 minimum opening deposit.)



Ultimate Free Checking

Really? Free? Really? Yes, really. At F & M Bank, our Ultimate Free Checking has absolutely no monthly service fee. You don’t have to maintain a minimum monthly balance and you can write as many checks as you need. Even the ATM/debit card is free! Plus this account features an available $300 in overdraft privilege. (normal overdraft fees apply*) All you pay for is the checks. Never worry about entering a monthly service fee in your check register again!



*Please refer to our Services page or contact your F&M Bank representative for complete details about our overdraft privilege program.

Club Accounts

Advantage Checking

Did someone say rewards? With a long list of rebates, the Advantage Checking account is jam-packed with benefits. For starters, how’s $10,000 24-hour Accidental Death Insurance? Would you also like a minimum opening deposit of just $75? How about $500 available overdraft protection, (normal overdraft fees apply, protection available upon qualification*) free personalized checks (you only pay shipping & handling) unlimited check writing, plus a lot more - all for only $5 a month? Who doesn’t want the Advantage, especially when it comes to your finances!



Senior Account

Free checking, because you’ve earned it! No minimum balance, no service fee, unlimited check writing, ATM/debit card and F&M logo checks (you only pay shipping & handling). It’s a perfect fit, everything you need and nothing you don’t! (Must be 62 years of age to enroll in this account. $75 minimum opening deposit.)



*Please refer to our Services page or contact your F&M Bank representative for complete details about our overdraft privilege program.

Interest Bearing

F&M Gold Club Account

A golden opportunity to be a part of something special, see the world with friends and attend special engagements only comes around once in a while. Actually, at F & M Bank, it happens all year long & it comes with a checking account! Write as many checks as you need, get an ATM/debit card, free F&M logo checks (you only pay shipping & handling), and earn interest on your account. There’s NO service fee but you must have a total deposit relationship of $5000. With this club account, you’re golden! (Must be 55 years of age to enroll in this account. $75 minimum opening deposit)



NOW Account

Earn more on your checking account NOW! The NOW account features unlimited check writing, a free ATM/debit card - and you earn interest on every dime! Get it all for free by maintaining a daily balance $1,000 or more! (service fee of $10 a month applied if daily balance falls below $1000 during any day of the statement cycle. $75 minimum opening deposit.)

Money Markets

F&M Money Market Account

This account offers you a place to grow your money with interest. Best of all, there’s no service fee as long your balance stays at or above $2,500 (service fee of $10 if balance falls below $2,500). You’re also allowed six withdrawals per month. Both personal & business accounts are available.


Wealth Builder Money Market Account

Grow your money in a safe place. Get a great rate, comparable to CD’s, and still have access to your money. This account features six pre-authorized transfers per month (three by check, draft or similar order) and a two-tiered interest rate. Keeping a balance of $5,000 or more earns you the higher interest rate. You also get a free ATM/debit card. Plus, it’s all free as long as you keep a minimum balance of $2,500. So stop worrying about growing your money because, you're safe and saving with this account! (Available for personal and business accounts.)

Business

Business One Checking

Owning your own business is a great way to work the way you want to! For sole proprietors, the easiest part is banking - at least when you have this business checking account. It features an ATM/debit card, a free bank zip bag, no per item fee on returned deposited checks, up to 50 free debits per statement cycle (10 cents per item above 50) and, as long as you keep a balance of at least $500, it’s all free! ($10 service fee if balance falls below $500 any day of the statement cycle. $75 minimum opening deposit.) Relax, sole proprietors: controlling your financial costs just got easier. (Available to sole proprietors only.)



F&M Business Checking

Business checking for everyone else! With a minimum opening deposit of just $75, you'll get an ATM/debit card, a bank zip bag for only $3, and the opportunity to order deposit slips at a 25% discount. This account features a 10-cent credit back for every $100 on deposit at the time of your lowest monthly balance (applied against service fees). Service fees include a $4 per month, 10 cents per check and $1 item fee per returned deposited check.



Learn more about our Business Banking Solutions.