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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.
Use electronic statements for convenience, security and environment. Your monthly statements are delivered electronically with an e-mail notification and secure online access.
Learn All About It
on balances up to $50,000 – and on balances over $50,000
get unlimited , anywhere in the country!
get our ID Theft Recovery coverage absolutely FREE (click here to learn all about it…)
You’ll earn this great rate during every statement cycle that you satisfy these four easy requirements:
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 and your account is still FREE of any service charges. During the next statement cycle, satisfy the requirements, and receive the Platinum Rewards Rate of 5.02% APY*! 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….
If the electronic requirements of Platinum Rewards don’t fit your needs, we have great values in store with our other checking account options:
BETTER THAN FREE! Another great checking account value comes with our PLATINUM accounts,
which gives 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 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.
Standard 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 $9.95 credit on other styles)
- Low $5 monthly service charge 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 Identity theft recovery services – completely free – and the option to purchase further monitoring service and alerts at great prices. Click here to learn more....
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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 $9.95 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
- Travelers Checks and Cashier’s Checks – no charge
- Safe Deposit Box Discount – $12.50 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 Identity theft recovery services – completely free – and the option to purchase further monitoring service and alerts at great prices. Click here to learn more....
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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.
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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.
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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 service. Click here to learn more....
1No
fee charged by Farmers & Merchants Bank for ATM transactions
at other banks’ ATM’s. Other ATM owners may charge a fee.
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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….
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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.
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| **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
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