Farmers & Merchants Bank: Where Family is our Foundation

Checking Accounts

All of our checking accounts come with free digital banking, free statements, direct deposit functionality, and a contactless debit card. All accounts are also FDIC insured.

Your security is our top priority. Whether you’re opening a new account or already a customer, this guide offers key tips on how to avoid fraud and identity theft.

eUltimate Checking Account

  • No minimum deposit
  • No minimum balance
  • eStatements
  • Unlimited free ATMs*
  • Free access to a complete online & mobile banking suite of products and services

Ultimate Checking Account

  • No minimum deposit
  • No minimum balance
  • Paper statements
  • Free access to a complete online & mobile banking suite of products and services

eUltimate Interest Account

  • No minimum deposit
  • No minimum balance
  • 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