Farmers and Merchants Bank offers an array of checking products and services to fit your lifestyle. Take a closer look at our account options and find the account that fits you best.


Click here to learn more about our NEW e-Connect Checking account!

Check out our current rates on our Checking Accounts here!

  1. FMB Options Account*
    Free regular checking services. Non-interest earning account. 
    • $100 Minimum Opening Deposit
    • Free Unlimited Check Writing
    • Free FMB MasterMoney Atm/Debit Card with MoneyPass® Network**
    • Overdraft Privilege-Certain Restrictions Apply
  2. FMB Options Plus Interest Checking*
    Earn interest and other special benefits with a low $6 monthly maintenance fee.
    • $100 Minimum Opening Deposit
    • Free Unlimited Check Writing
    • Free FMB Checks
    • Free Cashiers Checks
    • Free Money Orders
    • Free Traveler’s Checks
    • Free FMB MasterMoney Atm/Debit Card with MoneyPass® Network**
    • Free Combined Image Statement for All Your FMB Accounts
    • $2.00 Discount on Safe Deposit Rental
    • Overdraft Privilege- Certain Restrictions Apply
  3. FMB Premium Options Interest Checking*
    Earn interest while you enjoy premium privileges.
    • $100 Minimum Opening Deposit
    • $5,000 Combined Minimum Balance of all Your FMB Accounts and Avoid a $10 Monthly Maintenance Fee
    • Free Unlimited Check Writing
    • Free FMB Checks or 50% Discount Off Selected Checks
    • Free Cashier’s Checks
    • Free Money Orders
    • Free Traveler’s Checks
    • Free Equity Benefit Review
    • Free Notary Service
    • Free Certificate of Deposit Bonus Coupons (2 per Customer)
    • Free FMB MasterMoney ATM/Debit Card with MoneyPass® Network**
    • Free Combined Image Statement for All Your FMB Accounts
    • 50% Discount on Safe Deposit Rental
    • Preferred Loan Discount (One Open Line)
    • Overdraft Privilege- Certain Restrictions Apply
  4. SuperNOW Checking*
    Earn interest with no monthly maintenance fee when you maintain a minimum balance of $1,000.

*Interest calculated on Average Daily balance. If Checking Account is closed by the customer within the first 90 days from the opening date, a $15 Early Account Closing Fee will be charged. 

** Master Money ATM/Debit Card with MoneyPass® Network
Our Master Money Debit card has no fees when used at our bank locations or at any Money Pass ATM location. Convenience has a new name: MoneyPass®. The MoneyPass® network offers coast to coast access to thousands of surcharge free ATMs located where you live, work and travel. Use the easy online locator at http://www.moneypass.com to help you find the MoneyPass® ATM closest to you - whether at home or anywhere across the country - and avoid paying surcharges.

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