Simply Free Checking

  • Minimum Opening Deposit: $50.00
  • No Service Charge Assessed
  • No Minimum Daily Balance Required
  • No Monthly Service Charge
  • Non-Interest Bearing
  • Unlimited Check Writing
  • No Per Check Fee
  • Free - Online Banking and Bill Pay
  • Free - Online Transfers Between Accounts
  • Free - Debit Card
  • Unlimited Debit Card Usage
  • No Fees at Farmers & Merchants Bank ATMs

50 Advantage Interest Checking

  • Minimum Opening Deposit - $50.00
  • To Qualify ANY Signer has to be 50 or Over
  • Earns Interest on Daily Basis
  • Interest Compounded and Credited Monthly
  • Unlimited Check Writing
  • No Per Check Fee
  • Free - Online Banking and Bill Pay
  • Free - Online Transfers Between Accounts
  • Free - Debit Card
  • Unlimited Debit Card Usage
  • First Box of FMF Checks FREE
  • No Fees at Farmers & Merchants Bank ATMs

Easy Interest Checking

  • Minimum Opening Deposit: $50.00
  • Direct Deposit or ACH Required 
  • Earns Interest on Daily Basis
  • Interest Compounded and Credited Monthly
  • Unlimited Check Writing
  • No Per Check Fee
  • Free - Online Banking and Bill Pay
  • Free - Online Transfers Between Accounts
  • Free - Debit Card
  • Unlimited Debit Card Usage
  • First Box of FMF Checks FREE
  • No Fees at Farmers & Merchants Bank ATMs

Prestige Interest Checking

  • Minimum Opening Deposit: $50.00
  • service Charge will be Assessed
  • Minimum Daily Balance to Avoid Monthly Fee: $1500.00
  • Monthly Service Charge: $10.00
  • Earns Interest on Daily Basis
  • Interest Compounded and Credited Monthly
  • Unlimited Check Writing
  • No Per Check Fee
  • Free - Online Banking and Bill Pay
  • Free - Online Transfers Between Accounts
  • Free - Debit Card
  • Unlimited Debit Card Usage
  • First Box of FMF Checks FREE
  • No Fees at Farmers & Merchants Bank ATMs



View Current Rates



Note: If your account becomes inactive for more than one (1) year, we may charge your account a dormant fee of $5.00 per month.