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NOTICE:  The Farmers & Merchants Bank, Lonedell Branch will be temporarily closed for a period of time until construction repairs are completed. We anticipate the ATM to be operational during this time along with all of our other online and mobile access applications.  All other branches remain accessible.  We apologize for the inconvenience and thank you for your patience during this period.

Online Banking

Personal Banking
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Business Analysis Checking

  • $100 Minimum Deposit to Open
  • Non-interest checking with fees based on the analysis of your account. This account offers a credit back option based on your average ledger balance to help lower service fees.
  • The following charges are built into the account analysis if these services are used during the statement cycle. An adequate average balance could result in no service charges for these services.
Deposits $ .45
Auto Debit $ .15
Deposit Items on Us $ .05
Deposit Foreign Item $ .10
Overdraft Fee $ 30.00
Insufficient Funds Fee $ 30.00
Daily Overdraft Fee $ 6.00