Personal Accounts | Farmers & Merchants Bank

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Personal Checking Accounts

We have Personal Checking Accounts to match your needs. Choose the account that is the best fit for you.

Accounts	Regular	NOW	Money Market
Minimum Balance	Daily Minimum Balance of $300.00	Daily Minimum Balance of $1,200.00	Daily Minimum Balance of $2,500.00
Maintenance Charge	A fee of $2.50 and $.12 per debit item is charged if you do not meet the Minimum Balance during your statement cycle.	A fee of $2.50 and $.22 per debit item is charged if you do not meet the Minimum Balance during your statement cycle.	A fee of $5.00 and $.25 per debit item is charged if you do not meet the Minimum Balance during your statement cycle.
Debit Card Limits	Cash Withdrawal: $500 per day Point of Sale: $750 per day	Cash Withdrawal: $500 per day Point of Sale: $750 per day	Cash Withdrawal: $500 per day Point of Sale: $750 per day
Additional Terms		The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.	The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.
Unlimited Deposits	Yes	Yes	Yes

Personal Savings Accounts

Want to save for your future? Have a special event? A dream vacation? Start saving with us today!

Accounts	Regular	Young Farmer Savings
Minimum Balance	Daily Minimum Balance of $200.00	No Minimum Balance
Maintenance Charge	A quarterly fee of $7.00 is charged if you do not meet the Minimum Balance during your statement cycle.	No Maintenance Charge
Withdrawals	A fee of $3.00 will be charged for each withdrawal in excess of 3 per quarter	A fee of $3.00 will be charged for each withdrawal in excess of 3 per quarter
Additional Terms	The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.	This account is specifically designed as a minor account. The account will be converted to a Regular Savings account upon the owner turning 18 years old. The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.
Unlimited Deposits	Yes	Yes