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

F&M Offers Value on All Accounts

Surcharge-Free ATMs: Access your money easily, and surcharge free, at one of the 44,000 national ATMs in our network. Locate an ATM easily via our bank website or through our mobile app.

Lifelock® Identity Theft Protection: When you help protect your identity, you're helping protect your finances, your credit, and everything you have worked so hard for. Make sure you have the best protection. Available for purchase, Lifelock® Identity Theft Protection can provide the assurance you desire.

Overdraft Protection: Give yourself peace of mind by protecting your accounts from an inadvertent overdraft. Ask your Relationship Banker for more details.

Loan & Deposit Account Transfers: Make it easy on yourself by paying your F&M Bank loan with an automatic payment each month. In addition, you can start saving money with regular transfers to your F&M Bank savings account.4

An ideal checking account if you use direct deposit and are looking for a simple, straightforward personal checking account.
This checking account provides the perfect solution if you are looking for an account that will save you time and money.
An account designed exclusively for our customers 60 & better.
Minimum to Open $50 $50 $50
Visa® Debit Card X X X
Checks Standard Pricing Standard Pricing X1
Online Bill Pay X X X
24-Hour Account Access X X X
Convenient & Safe Monthly E-Statements X X2 X
Bank & Personal Money Orders Standard Pricing Standard Pricing $1 each
Photocopies Standard Pricing Standard Pricing X
Safe Deposit Box Rental Discount 10% with auto pay 10% with auto pay 20% with auto pay
Events & Seminars Stay in touch on Facebook Stay in touch on Facebook One outing & two local events annually
Competitive Interest Rate Does not earn interest Premium interest paid when qualifications met3 Earns interest each day a $500 balance is maintained
Monthly Service Charge No monthly service charge with e-statements or direct deposit. Otherwise, just $5. No monthly service charge with one ACH, e-statments, & 14 debit card swipes. Otherwise, just $5. No monthly service charge with direct deposit or a deposit relationship balance of $10,000. Otherwise, just $5.

1Limit one box of Club Checks (wallet or duplicate) each year.
2Account requirement.
3To earn interest, account holder must have an e-statement, 14 debit card swipes in a statement cycle, & have one ACH within a statement cycle.
4Auto transfers for overdrafts, fees apply.

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.