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.

FMB Free Checking

$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

Hometown Checking

$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

Hometown Checking Plus

$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

Regular Checking

$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

Eagle Checking

Valid Student ID Required

$25.00 Minimum Deposit to Open
No Monthly Service Charge
Unlimited Checking (No per check charge)
Free Master Money Debit/ATM Card
Free Internet Banking
Free Bill Pay
Free Phone Bank
Free Image Statement

Golden Years Checking

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

NOW Checking

$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 NOW

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

*Contact our Customer Service Representatives or see Truth in Savings disclosure for interest rates, interest calculations and additional information on interest paid on account balances each monthly statement cycle

Special Services

Bank By Mail
Debit Card/ATM Card
Direct Deposit
Drive-In Teller Service
Night Depository
Phone Bank
Wire Transfers
Credit Card Offers

New Card Activation

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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