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Farmers & Merchants Bank
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Personal Checking Accounts

Your checking account is the foundation of your banking relationship. Our checking accounts are designed for everyday needs and living expenses. Choose one of our simple accounts to help make your life better and more secure. Our checking accounts feature all of these standard features unless otherwise noted:
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Green Checking
No need for paper? Do you manage your account using Online or Mobile Banking? Enjoy this free, easy to use Green Checking Account. 
  • Help Save the Environment and Go Green with this Account
  • No Monthly Maintenance Charge
  • $100 Minimum Balance to Open Account
  • Requires E-Statements, Online Banking and Bill Pay
Rewards Checking
Ready to be rewarded for the things you do? That’s what you’ll get with our Rewards Checking Account!
  • For Those Who Prefer a more Traditional Account
  • No Monthly Maintenance Charge With A Minimum Daily Balance of $500 or More
  • $100 Minimum Balance to Open Account
Elite Checking
We understand that people over 50 are looking towards retirement and focusing on saving. Our Elite Checking is perfect account for customers 50 and better!
  • For Customers Age 50 or Better
  • Free Standard Checks
  • No Monthly Maintenance Charge
  • $100 Minimum Balance to Open Account
5 Star Checking
Designed For Those Who Want More Than The Traditional Checking Account
  • Many Additional Benefits **Ask for more details**
  • Free Standard Checks
  • $5.95 Monthly Maintenance Charge
  • $100 Minimum Balance to Open Account
NOW Account
For Those Looking to Earn Interest with an Everyday Account
  • Interest Bearing Account
  • No Monthly Maintenance Charge With a Minimum Daily Balance of $1,500 or More
  • $1,500 Minimum Balance to Open Account
Prime Investment Checking (PIC)
For Those Looking to Earn Interest with a High Balance Requirement
  • Earns Interest at Tiered Rates
  • No Monthly Maintenance Charge with a Minimum Daily Balance of $10,000 or More
  • $10,000 Minimum Balance to Open Account
Wall Street Checking Account
For Those Looking for the Highest Interest Rate with the Highest Balance Requirement
  • Interest Bearing Account
  • No Monthly Maintenance Charge with a Minimum Daily Balance of $50,000 or More
  • $50,000 Minimum Balance to Open Account






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Service, Solutions, Strength isn’t just a tagline. We’re here for you.

Our team is our most important asset, as they drive the experience our customers have and are the everyday face of our institution.
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Save up for college, a vacation, or just a rainy day.

Our team is our most important asset, as they drive the experience our customers have and are the everyday face of our institution.