F&M Commercial Banking

At Farmers and Merchants Bank, we strive to provide you with the products you need and the benefits you will love. Call and speak with a Relationship Banker today to find out which of our diverse accounts best fit your personal needs.

Checking Options

Rewards Checking
Earn interest on your balance…

If you are looking for an easy way to earn a premium interest rate on your funds, then this is the account for you. The rewards program is here for customers who want to see a return on their funds. This account has the convenience to fit your busy lifestyle and allows you to let your money work for you. Call and speak to a Relationship Banker for details.

Direct Checking
Perfect for your direct deposit…

Here is an account that will fit the needs of everyone. Direct checking is perfect for people who need an easy account for their direct deposit.

Features & Benefits
Rewards Checking
Direct Checking
Earns Interest X
Free Checks
Savings On ATM Use X
Shopping, Dining and Travel Discounts
Grocery Coupons
Pharmacy, Vision and Hearing Savings
Cell Phone Replacement Protection
Identity Monitoring
ID Theft Protection X X
Convenient E-statement X X

Money Market and Savings Options

Regular Savings

The perfect place to begin your savings. Whether you are saving for a rainy day, or for a big purchase, having a savings account is a must for anyone who wants to prepare for tomorrow.

Youth Savers

It is important to teach children to save for the future. The Youth Savers is a great place to start. Open an account while your child is young and watch it grow.

Investors Choice and Ultimax Money Market Accounts

If you need to earn interest on your deposit, but still have the flexibility of being able to access your funds, a money market account is the option for you. A relationship banker can help you find the right fit for your current and future needs.

Holiday Club

Don’t let the holidays creep up on you again. By automatically transferring a little money into this account throughout the year, you will be well prepared to face the holiday season. Take the stress out of your holiday shopping and open one today!

Certificates of Deposit

Available in many flexible terms, whether you are saving for the long or short term. We offer a cd to fit your needs and help you achieve your goals.


Our specialty! We can help you roll over your old 401k, rollover funds from qualified retirement plans, or transfer your other IRAs to consolidate your finances. We offer years of experience to help you better manage your retirement funds.


Perfect for public funds, individuals and business deposits, CDARS and ICS are available to help you structure your large deposits to ensure full FDIC coverage up to millions of dollars. Work with a Relationship Banker to determine if a Certificate or Money Market account will work best for your needs and rest assured knowing that you have the full backing of the FDIC when you place your large deposit.