Personal Checking
Platinum Rewards – Earn CD-Like Interest Rates On
Your FREE Checking Account!
You can get a checking account anywhere. But at Farmers & Merchants Bank, you've got a choice of accounts that can help you meet a variety of cash management needs. And you can reward yourself with the best checking interest rate you’ll find anywhere!
Opening deposit of $10 required for all our checking accounts.
Your monthly statements can be delivered electronically with an e-mail notification and secure online access.
Platinum Rewards Checking - FREE! - Unbelievable Interest Rates!
Earn the Platinum Rewards Rate of 3.51% APY* on balances up to $50,000 – and 1.04% APY on balances over $50,000
PLUS get unlimited refunds of ATM fees, anywhere in the country!
PLUS get our ID Theft Recovery coverage absolutely FREE (click here to learn all about it…)
What Do You Have To Do? You’ll earn this great rate during every statement cycle that you satisfy these four easy requirements:
- Make 10 Check Card Transactions
- Set Up One Direct Deposit or ACH auto debit
- Enroll and receive electronic statements
- Access NetTeller online banking
If you miss making these requirements during a statement cycle, you won’t receive ATM fee refunds, but you’ll still earn a base interest rate of 0.10%. And your account is still FREE of any service charges. During the next statement cycle, satisfy the requirements, and your interest earnings go back up to the Platinum Rewards Rate! The ID Theft protection program is yours every month, regardless of meeting the reward requirements.
No monthly service charges and no minimum balance required for this account. Just use the convenience of electronic banking, and you earn the rewards!
This account also includes our IDSafeChoice identity theft recovery services – completely free – and the option to purchase further monitoring service and alerts at great prices. Click here to learn more….
*Annual Percentage Yield. Rate effective December 17, 2009. We may change the interest rate and APY at any time after account is opened. Check our Rate Sheet for current rates.
MyTunes Checking
Do you love music? Do you hate paying ATM fees? We have the account for you!
MyTunes is a FREE checking account which pays you big rewards:
- 5 iTunes downloads per month*
- 10 iTunes downloads when you sign up
- ATM Fee Refunds nationwide**
How do you earn these great benefits? Just do these simple things:
-
Make 10 Check Card purchases
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Enroll and receive electronic statements
-
Access NetTeller online banking
Here's the details:
*Earn iTunes® download refunds up to $9.90 with initial account opening regardless of qualifications. Earn up to $4.95 in iTunes® download refunds each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds or iTunes® refunds for that time period. No minimum balance required; however, you must deposit a minimum of $10 to open this account. Available to personal accounts only. **ATM fee refunds up to $5 per item, $25 per cycle. REALTunes™ and REWARDChecking™ are trademarks of BancVue, Ltd. iTunes is a trademark of Apple, Inc. The program is not endorsed by iTunes® or Apple® nor is there is any actual or implied joint venture, partnership or relationship of any kind between the Bank and Apple’s® iTunes®. For customers under 18 years of age, a parent is generally required as a joint account owner.
If the electronic requirements of Platinum Rewards don’t fit your needs, we have other great values in store with our other checking account options:
BETTER THAN FREE! Another great checking account value comes with our other PLATINUM accounts, which give you numerous additional benefits, still free if you maintain a low monthly balance requirement. Check out the benefits of PLATINUM CHECKING and PLATINUM 50 CHECKING. To save even more money, PLATINUM 50 PLUS offers additional health benefits
All Platinum accounts include our FREE ID Theft Recovery program. Click here to learn all about it…
If you need basic checking, our FREE REGULAR CHECKING may be best. If you prefer to earn interest on your deposits, INTEREST CHECKING or PLATINUM CHECKING would be your choice. As an addition to any of these accounts, we offer Bonus Benefits that will save you plenty every year!
All checking accounts are insured by F.D.I.C
Platinum Checking
An interest bearing account with extra benefits that make this account our "Best Value"! Save hundreds of dollars a year! Use the member log-in button to the right or on our website’s home page to access all the extra’s.
- No minimum balance requirement
- Tiered interest paid when you balance is over $5,000
- Personalized Checks – all the personally imprinted basic checks that you need are provided at no charge (or get a $9.99 credit on other styles)
- Low $5 monthly service charged is waived if your combined deposit balances in checking, savings, and CD’s totals $25,000 or more
- $10,000 travel accidental death insurance protection*
- Free VISA check card
- Free NetTeller Online Banking with Free Online Bill Pay
- Photocopy Service – up to 3 free photocopies per month
- Notary Service – no charge
- Cashier’s Checks – no charge
- Safe Deposit Box Discount – $15.00 credit toward any box rent. This pays 50% of the cost of a personal sized 3” x 5” box
- Emergency Travel Assistance Services – help with emergency cash or lost or stolen luggage
- Dining Savings – up to 50% off at hundreds of restaurants
- Travel, Hotel & Recreation discounts – all over the country
- Local & Online Shopping Discounts – all kinds of retailers, and local services such as dry cleaning, photography, etc
- Payment Card & Personal Identity Protection – a 24-hour toll-free number if your registered card is lost, plus up to $1,000 reimbursement for identity recovery costs
- IDSafeChoice idenitity theft recovery services – completely free – and the option to purchase further monitoring service and alerts at great prices. Click here to learn more….
Platinum 50
For customers age 50 or better. Use the member log-in button on our website’s home page to access all the extra's.
- No monthly service charge!
- No minimum balance requirement
- Non-interest bearing
- Personalized Checks – all the personally imprinted basic checks that you need are provided at no charge (or get a $9.99 credit on other styles)
- $5,000 travel accidental death insurance protection*
- Free VISA check card
- Free NetTeller Online Banking with Free Online Bill Pay
- Photocopy Service – up to 3 free photocopies per month.
- Notary Service – no charge
- Cashier’s Checks – no charge
- Safe Deposit Box Discount – $15.00 credit toward any box rent. This pays 50% of the cost of a personal sized 3” x 5” box.
- Emergency Travel Assistance Services – help with emergency cash or lost or stolen luggage
- Dining Savings – up to 50% off at hundreds of restaurants
- Travel, Hotel & Recreation discounts – all over the country
- Local & Online Shopping Discounts – all kinds of retailers, and local services such as dry cleaning, photography, etc
- Payment Card & Personal Identity Protection – a 24-hour toll-free number if your registered card is lost, plus up to $1,000 reimbursement for identity recovery costs
- IDSafeChoice idenitity theft recovery services – completely free – and the option to purchase further monitoring service and alerts at great prices. Click here to learn more….
Platinum 50 Plus
All the benefits of PLATINUM 50, PLUS… All the additional services below for a low $4 monthly membership fee provide an estimated savings of over $200
- $10,000 travel accidental death insurance protection – additional $5,000 coverage*
- Pharmacy Savings Program – prescriptions at a great discount at over 57,000 pharmacies or by mail order
- Vision Savings Program – save up to 60% on eyeglasses at thousands of locations. Also provides discounted medical eye examinations and to 25% off surgical procedures
- Hearing Savings Program – save 15% on over 70 models of hearing aids
Platinum Bonus
With a Platinum Checking account, you can enjoy all the pharmacy, vision, and hearing savings benefits of Platinum 50 Plus as listed above, for an additional $4 monthly fee.
Free Regular Checking
Stop paying for your checking account! With our Free Checking account, you get the features you need, no strings attached:
- NO minimum balance
- NO monthly service charge
- NO transaction charges
- Unlimited FREE checkwriting privileges
- Your first order of personally imprinted checks provided FREE
- FREE NetTeller Internet Banking
- FREE Instant InfoLine Telephone Banking
- ATM Card or VISA Check Card
- Access your account anytime, anywhere using your ATM or VISA Check Card, or by visiting one of our branch locations
- Unlimited FREE Farmers & Merchants Bank ATM transactions1
- Worldwide access to ATM’s
All customers are eligible to enroll in our economical ID Theft Protection service. Click here to learn more…
1 No fee charged by Farmers & Merchants Bank for ATM transactions at other banks’ ATM’s. Other ATM owners may charge a fee
Interest Checking
- All the benefits found with our Regular Checking
- Interest on all your collected funds is accrued daily and compounded monthly (see our Rate Sheet for the current rates) every day that your balance is $1,000 or more
- Low $1,000 monthly average balance requirement to waive the service fee of $10.00/mo
All customers are eligible to enroll in our economical ID Theft Protection service. Click here to learn more…
Bonus Benefits
With either Free or Interest Checking, a valuable package of Bonus Benefits can be purchased for a low $4 monthly membership fee. This package provides hundreds of dollars in annual savings!
- Personalized Checks – all the personally imprinted basic checks that you need are provided at no charge (or get a $9.95 credit on other styles)
- $5,000 travel accidental death insurance protection *
- Emergency Travel Assistance Services – help with emergency cash or lost or stolen luggage
- Dining Savings – up to 50% off at hundreds of restaurants
- Travel, Hotel & Recreation discounts – all over the country
- Local & Online Shopping Discounts – all kinds of retailers, and local services such as dry cleaning, photography, etc
- Payment Card & Personal Identity Protection – a 24-hour toll-free number if your registered card is lost, plus up to $1,000 reimbursement for identity recovery costs.
FDIC Insurance - Expanded Coverage Up to $50 Million
FDIC Insurance coverage is an important benefit of banking with Farmers & Merchants Bank. You can rest assured that your deposits are safe and secure. Click here to visit the FDIC website and learn more about how your deposits are insured.
Some customers need more coverage than the $250,000 per bank provided by FDIC. Farmers & Merchants Bank provides full FDIC insurance coverage up to $50 million through participation in the CDARS network for bank CD’s (Certificate of Deposit Registry Service). You don’t need to open accounts at multiple banks for expanded coverage; open all your accounts here and simplify your finances. Click here to learn all about CDARS.
** Insurance products are:
- NOT A DEPOSIT
- NOT FDIC-INSURED
- NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- NOT GUARANTEED BY THE BANK
- MAY GO DOWN IN VALUE
