Personal Banking

Money-Line (912) 489-6669

Get current information on all your FMB accounts by dialing one simple number.

Personal Checking Accounts

• Must have valid picture ID and Local Address
• ChexSystem inquiry on each new customer

Hometown Checking

• Minimum balance to open an account is $25.00
• $7.00 monthly service charge
• $10,000 Accidental Death and Dismemberment Insurance
• No minimum balance required
• No per check charge
• Personalized green checks – no additional cost
• Official checks and traveler’s checks free
• Debit or ATM card is free upon credit approval

Also receive as a member:

• Credit Card protection – Never worry about lost or stolen credit cards again! With one quick, toll-free phone call, you can cancel your cards, stop unauthorized purchases and request prompt card replacement. If a thief does use your cards, and the card issuer holds you responsible for payment, you’ll be covered for up to $50 per credit card to help cover unauthorized charges.
• Key Ring Registration – Protect your keys (and yourself) with our special key ring medallion. Lost keys are a bother, but putting your name and address on them is an open invitation to thieves. We’ll help you get your lost keys back while protecting your privacy.
• Travel and Entertainment Discounts – Here’s the smart traveler’s first choice for special travel savings. Enjoy premiere accommodations at bargain prices in prestigious resorts or business destinations with our Premiere Hotel Saving Book.
• Grocery Coupons – Get valuable coupons on the products you buy every day. Use them at any grocery store. Select from more than 1,000 brand name items. Best of all, there is no expiration date.
• Travel Rewards Program – Whether you’re planning a vacation or business trip, make your travel arrangements quickly and easily with your exclusive travel reservation service. You can get cash back bonuses on car rentals, lodging, airline tickets, tours, and cruises.

Hometown Checking Plus

• Minimum balance to open an account is $25.00
• $9.00 monthly service charge
• $20,000 Accidental Death & Dismemberment Insurance
• No per check Charge
• Official Checks and traveler’s checks free
• Debit or ATM card is free upon credit approval
• Must have valid picture ID
• This account is an interest bearing checking account.

Also receive as a member:

• Medical ID Card – In a medical emergency, healthcare professionals may be able to provide better treatment if they are aware of your critical health information, such as allergies, past illnesses, or current medications. Now, you can keep this vital information handy at all times with your Medical ID Card. Feel more secure knowing emergency health providers will be able to provide accurate care.
• KidCare Child ID Program - Nothing is more frightening than when your child is missing. Chances are this will never happen to you, but just in case, having up-to-date information to help police and others is invaluable.
• Vision Care – You can save 20% to 60% on eyeglasses, contact lenses, and non-prescription sunglasses! These and other items are available at over 7,000 retail providers nationwide through Coast to Coast Vision.
• Local Pharmacy Card – Get the lowest price on prescription drugs for you and your immediate family – Guaranteed! Save 10% to 50% on most prescriptions. Our card is welcomed nationwide at over 45,000 pharmacies including most national chains.
• Money for College – Find scholarship and financial aid for your college-bound students! Access our scholarship matching service – a vast database of monetary aid for college students.
• Travelers Checks, Cashiers Checks, and Money Orders – These secure, convenient instruments are available to you at no issue fee.
• 90-Day Satisfaction Guarantee – If for any reason in the first 90 days you are not satisfied with your HomeTown Plus Account, we’ll refund your membership fee and convert your account to our basic HomeTown Club Account Membership.

Regular Checking

• Minimum balance to open an account is $25.00
• 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.
• A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) if the minimum balance falls below $500.00 during the monthly statement cycle.
• Customer pays for checks of their choice.
• Must have valid picture ID
  

FMB Free Checking Account

• Minimum balance to open an account is $50.00
• No monthly service change.
• First order of checks free
   

Student Eagle Account

• Minimum balance to open an account is $25.00
• No monthly service charge
• Customer pays for their choice of checks
• Must have valid picture ID
• Customer must have valid student ID

Now Account

• Minimum balance of $900.00 to open account
• A low balance fee of $6.00 will be imposed every monthly statement cycle if the balance falls below $900.00 any day of the cycle.
• A per debit fee of $.20 will be charged for each debit transaction in excess of 20 during a monthly statement cycle if the minimum daily balance falls below $900.00 during the monthly statement cycle.
• Some restrictions apply to qualify for this account

(This account is actually an interest bearing checking account)
 

Golden Years Account

• Minimum age to open account is 55 years old
• Unlimited check writing and no service fee for all your Golden Years
• No minimum balance required.
• Standard traveler’s checks are free
• Free wallet blue checks
• Free ATM or Debit Card
  

Golden Years Now Account

• Minimum balance to open $900.00
• Minimum age to open account is 55 years old
• A maintenance fee of $3.00 will be imposed every monthly statement cycle if the balance falls below $900.00 any day of the cycle.
• A per debit fee of $0.20 will be charged for each debit transaction in excess of 20 during a monthly statement cycle if the minimum daily balance falls below $900.00 during the monthly statement cycle.

(This account is actually an interest bearing checking account)

Money Market Account (Tiered)

• Minimum balance of $1,000 to open account
• A low balance fee of $7.50 will be imposed every monthly statement cycle if balance in the account falls below $1,000.00 any day of the cycle.
• Customer may make six pre-authorized withdrawals, no more than 3 by check, draft or debit card in a statement cycle
• An excessive withdrawal fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of six in a monthly statement cycle.

(This account is designed as a savings account)

Certificates of Deposit

To earn the most interest with the least risk, a Certificate of Deposit may be the best investment for you. Choose from long-term or short-term fixed rate CD’s:

• There is a substantial penalty for early withdrawal
• The minimum required to open the account is $500.00

Individual Retirement Accounts (IRAs)

Our traditional Individual Retirement Account Plans are popular because of their tax-deductible contributions. Or, ask us about the advantages of the more recent Roth IRA where after-tax contributions can be made in return for tax-free distribution at the time of withdrawal.

* Farmers and Merchants Bank is not responsible in the event an error occurs regarding interest rates, terms, or information discussed in this web site.