Farmers & Merchants Bank: Where Family is our Foundation

Checking Hero

Checking Accounts

No Fees. No Minimums. No Kidding.

All of our checking accounts come with no monthly service fee, free digital banking, free statements, direct deposit functionality, and a contactless debit card. All accounts are also FDIC insured.

eUltimate Checking Account

  • No minimum deposit
  • No minimum balance
  • No service fee
  • eStatements
  • Unlimited free ATMs*
  • Free access to a complete online & mobile banking suite of products and services
  • No minimum deposit
  • No minimum balance
  • No service fee
  • Paper statements
  • No minimum deposit
  • No minimum balance
  • No service fee
  • eStatements
  • Unlimited free ATMs*
  • Tiered interest rates
  • Free access to a complete online & mobile banking suite of products and services

*Customers may incur a surcharge by the ATM proprietor when they use a non-Farmers & Merchants Bank ATM