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Farmers & Merchants Bank

Checking

Better options and easy choices, that's Me Banking.

Personal Checking Comparison Chart

Platinum CheckingGreen CheckingGold CheckingSilver Checking
Earns Interest*Yes, tiered interest structure based on balance, debit card usage, ACH, and e-Statement enrollmentcheckedchecked
Monthly Maintenance Fee$3 paper statement fee (may be avoided if signed up for eStatements*)$3 paper statement fee (may be avoided if maintaining minimum daily balance of $5,000)None$10 monthly maintenance fee if daily balance falls below $1,000
Eligible For Overdraft Privilege*$800$500$800$500
Free Online Banking and Bill Paycheckedcheckedcheckedchecked
Free Mobile Banking Available for Tablets and Smartphones*checkedcheckedcheckedchecked
Visa Debit Card or ATM Card IncludedYes. Includes Unlimited Usage. $10 fee for lost or damaged cardYes. Includes Unlimited Usage. $10 fee for lost or damaged cardYes. Includes Unlimited Usage. $10 fee for lost or damaged cardYes. Includes Unlimited Usage. $10 fee for lost or damaged card
Minimum Opening Deposit$75$25$75$1,000

*Additional Disclosure Information

  • Interest Bearing Accounts: Please check our current rates in determining account interest. Rates may change without notice. Fees could reduce earnings.
  • Overdraft Service: Overdraft service offered to accounts in good standing 60 days after account opening. The Overdraft Fee is $31 per item. Check our Automated Overdraft Disclosure for full details. Payment of overdrafts is discretionary and F&M/BOF reserves the right to withhold payment.
  • Mobile Banking: 3rd party message/ data rates may apply. Web access is required to use mobile banking. Check with your mobile phone provider for details on specific fees and charges. The network must allow SSL traffic.
  • eStatements: Must be enrolled in online banking to receive an eStatement. Checking account holders not signed up to receive eStatements will receive monthly paper statements.

Platinum Checking

If you want to earn interest on your checking account and you use your debit card a lot, you've found your perfect fit. Platinum Checking features a tiered interest structure based on balance and debit card use. If you have 15 settled debit card transactions per month, and one ACH item (debit or credit), you'll earn our best rate and reimbursement allowances.

  • $75 minimum opening deposit
  • Tiered interest structure based on balance, debit card usage, ACH and e-statement enrollment
  • Up to $20/month ATM fees refunded if meet requirements
  • 15 settled debit card transactions per month and one ACH item (debit or credit) to qualify
  • Paper statement = $3
  • Eligible for $800 overdraft privilege
  • Mobile Deposit (no charge for first 10 deposits then $0.50 for each one)
  • Access to Pop Money ($0.50 for each Pop Money transaction)
  • ATM/Debit Card - no charge for 1st card or stolen card ($10 fee for lost or damaged card)

Gold Checking

If you've hit 'double-nickels', read this! We take special interest in our customers 55 and over. Earn interest on your checking account, pay only shipping and handling for your checks, available $800 overdraft privilege**, and even avoid the paper statement charge. Cool, huh? Or as the kids say, it’s all good.

  • $75 minimum opening deposit
  • 55 or older to qualify
  • Earns interest
  • No Charge for checks - just pay shipping & handling fee
  • No Charge for Paper or E-statement
  • Eligible for $800 overdraft privilege
  • Mobile Deposit (no charge for first 10 deposits then $0.50 for each one)
  • Access to Pop Money ($0.50 for each Pop Money transaction)
  • ATM/Debit Card - no charge for 1st card or stolen card ($10 fee for lost or damaged card)

Green Checking

Simply do this: take electronic statements and you don't have to pay for a checking account. Otherwise, you pay $3.00 to get your paper statement with check images mailed to you. That's it. Easy and comfy. May be eligible for $500 Overdraft privilege**.

  • $25 minimum opening deposit
  • Paper statement = $3
  • No paper statement fee if maintain minimum daily balance of $5000
  • Eligible for $500 overdraft privilege
  • Mobile Deposit (no charge for first 10 deposits then $0.50 for each one)
  • Access to Pop Money ($0.50 for each Pop Money transaction)
  • ATM/Debit Card - no charge for 1st card or stolen card ($10 fee for lost or damaged card)

Silver Checking

Earn more on your checking account! The Silver account includes unlimited check writing, an ATM/debit card and you earn interest on every dime! Maintain a daily balance of $1,000 to avoid the $10 a month service fee. ($1,000 minimum opening deposit.)

  • $1000 minimum opening deposit
  • Earn interest on every dime
  • No paper statement fee
  • Must maintain a daily balance of $1,000 to avoid the $10 monthly service fee
  • Eligible for $500 overdraft privilege
  • Mobile Deposit (no charge for first 10 deposits then $0.50 for each one)
  • Access to Pop Money ($0.50 for each Pop Money transaction)
  • ATM/Debit Card - no charge for 1st card or stolen card ($10 fee for lost or damaged card)

Health Savings Account

As health care costs skyrocket and insurance deductibles increase, a Health Savings Account lets you put aside money tax-free to be used on approved medical needs. Unlike a Flexible Spending Account, funds roll over and are perfect for people with a high-deductible health plan. We also provide you with a HSA debit card at no charge during account opening. *

  • Minimum Deposit Requirement
  • Funds roll over. Statement is prepared monthly
  • Service charge of $3 if balance falls below $2000
  • No charge for HSA debit card at account opening

Me Banking Convenience

All of our personal checking accounts come with these great services and features, at no charge:

  • Bill Pay
  • E-Statements
  • Unlimited Check Writing
  • Unlimited Debit Card Usage
  • Online Banking
  • Secure Alerts
  • Me Banking Mobile App
  • Mobile Bill Pay
  • Card Care Center for Debit Cardholders
  • Manage My Cards for Me Banking Debit Cards
  • Apple, Google, and Samsung Pay Compatibility
  • Order your checks Here

*Health Savings Accounts deposit amounts are set under current tax law. The tax free checking account is only for individual or family health care policies qualifying with the IRS as high deductible health plans. Joint HSAs are prohibited. Individual or family plans may have one owner only but can have authorized signers to cover family members.

**Please contact your branch for complete details about our overdraft privilege program.

Please be aware that checking accounts that have no activity for 12 months may be subject to a dormant account fee.

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