Personal Banking
East Main Fountain
East Main Fountain
Want to switch to Farmers & Merchants Bank? Make it easy with our Switch Kit!
  • $50.00 Minimum Deposit to Open
  • No Monthly Service Charge
  • No Minimum Balance Required
  • Interest Bearing Account*
  • Interest compounded monthly and credited to your account monthly*
  • Free Master Money Debit/ATM Card
  • Free Internet Banking
  • Free Bill Pay
  • Free Phone Bank
  • Free Image Statement
Three Easy Qualifying Requirements:
  • Have 10 debit card point of sale transactions (excluding ATM) post and clear per "qualification cycle"
  • Receive your monthly statement electronically
  • Have at least one direct deposit or one auto debit (ACH) post and clear per monthly statement

If requirements are met in a monthly cycle ATM fees are refunded for that cycle.

 

"Qualification cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

  • $50.00 Minimum Deposit to Open
  • No Monthly Service Charge
  • Unlimited Checking (No per check charge)
  • Free First Order of Checks
  • Free Master Money Debit/ATM Card
  • Free Internet Banking
  • Free Bill Pay
  • Free Phone Bank
  • Free Truncated Statement
  • $25.00 Minimum Deposit to Open
  • Unlimited Checking (No per check charge)
  • No Minimum Balance Required
  • $7.00 Monthly Service Charge
  • $10,000.00 Accidental Death/Dismemberment Insurance
  • Free Travelers Checks (No purchase fee)
  • Free Official Checks (Limit 5 per statement cycle)
  • Free Master Money Debit/ATM Card
  • Free Internet Banking
  • Free Bill Pay
  • Free Bank Style Checks
  • Free Phone Bank
  • Free Image Statement
  • $25.00 Minimum deposit to Open
  • Unlimited Checking (No per check charge)
  • $9.00 Monthly Service Charge
  • $20,000.00 Accidental Death/Dismemberment Insurance
  • Interest compounded monthly and credited to your account monthly*
  • Interest paid on minimum daily balances of $1,000.00 or more*
  • Free Travelers Checks (No purchase fee)
  • Free Official Checks (Limit 5 per statement cycle)
  • Free Master Money Debit/ATM Card
  • Free Internet Banking
  • Free Bill Pay
  • Free Bank Style Checks
  • Free Phone Bank
  • Free Image Statement
  • $25.00 Minimum Deposit to Open
  • No Maintenance fee or per item fee with a $500.00 minimum daily balance
  • A Maintenance fee of $2.50 will be imposed every monthly statement cycle if the balance in the account falls below $500.00 any day of the cycle.
  • If the daily minimum balance falls below $500.00 during the monthly statement cycle, a per item fee of $0.25 will be charged for each debit transaction during the monthly statement cycle.
  • Free Master Money Debit/ATM Card
  • Free Internet Banking
  • Free Bill Pay
  • Free Phone Bank
  • Free Image Statement
    Golden Years is offered to customers 55 years of age and older
  • No Monthly Service Charge
  • Unlimited Checking (No per check charge)
  • No Minimum Balance Required
  • Free Master Money Debit/ATM Card
  • Free Internet Banking
  • Free Bill Pay
  • Free Bank Style Checks
  • Free Phone Bank
  • Free Image Statement
  • $900.00 Minimum Deposit to Open
  • Interest compounded monthly and credited to your account monthly*
  • No Maintenance Fee with a $900.00 minimum daily balance
  • A low balance fee of $6.00 will be imposed every monthly statement cycle if the balance in the accounts falls below $900.00 any day of the cycle.
  • If the minimum daily balance falls below $900.00 during the monthly cycle, a per debit fee of $.20 will be charged for each debit transaction in excess of 20 during a monthly statement cycle.
  • Free Internet Banking
  • Free Bill Pay
  • Free Phone Bank
  • Free Image Statement
  • Free Master Money Debit/ATM Card
    Golden Years is offered to customers 55 years of age and older
  • $900.00 Minimum Deposit to Open
  • Interest compounded monthly and credited to your account monthly*
  • No Maintenance Fee with a $900.00 minimum balance
  • A maintenance fee of $3.00 will be imposed every monthly statement cycle if the balance in the accounts falls below $900.00 any day of the cycle.
  • If the minimum daily balance falls below $900.00 during the monthly cycle, a per debit fee of $.20 will be charged for each debit transaction in excess of 20 during a monthly statement cycle.
  • Free Internet Banking
  • Free Phone Bank
  • Free Bill Pay
  • Free Bank Style Checks
  • Free Image Statement
  • Free Master Money Debit/ATM Card
  • Bank By Mail
  • Debit Card/ATM Card
  • Direct Deposit
  • Drive-In Teller Service
  • Night Depository
  • Phone Bank
  • Wire Transfers
  • Credit Card Offers
Effective June 1st, we will be using a new system to activate our MasterMoney debit cards. All new cards must be activated by phone before they can be used. To activate the card, you will call the 800 phone number located on the activation label. You must call from a phone number that is on your FMB account. It can be either your cell, home or work phone. You will also be asked to enter the last 4 digits of the card number, the last 4 digits of the Social Security Number or Tax ID number on your FMB account, and the expiration date on the card. It is very important that we have your correct phone numbers on your account information in order for your activation to go smoothly. Please call us at (912) 489-2600, if you need to update your account information or if you have any questions.

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