Personal Checking Accounts

Freedom Checking, Convenience Checking and More

What you need from your checking account is different from what your neighbor needs. At Farmers & Merchants State Bank , we don’t take a cookie-cutter approach to your checking needs, and we offer three checking accounts to fit your unique needs.

Standard checking account features

Each checking account available at Farmers & Merchants State Bank includes these features:

  • Free Internet Banking with check view and E-statements
  • Free 24/7 Telebanc services
  • Free Mobile Money
  • Free Fast Access Debit ATM Card
  • Free Personalized financial plan
  • Free one-year rental of 3”x5” safe deposit box
  • Free money orders
  • Free cashiers checks
  • Free check safekeeping
  • Unlimited check writing
  • Check image statements available for low fee
  • Online Bill Pay
  • No minimum balance requirements
  • Paper statements available for low fee
  • ID TheftSmart™ with credit monitoring available for low fee. Click here to learn more or visit the FAQ’s.
  • Shazam Bolt$ mobile application to track debit/ATM card transactions

NOTE:  If you are a current customer and would like to open an account, please log on to online banking and select Open Account.

Let us Help You Find The Checking Account That is Right for you

If you’d like to learn more about the checking accounts available at Farmers & Merchants State Bank, call us at 1-888-478-3007 or stop in at one of our offices.   Or, apply online!

Convenience Checking

Perfect for customers who don’t want to deal with checks. Open your account online and sign up for E-statements. Use direct deposit to avoid a monthly fee.
Apply Now

Freedom Checking

Manage your money safely and effectively with this checking account that has no monthly service fee and a low minimum balance requirement. E-statements are required with this account.
Apply Now

Prosperity Checking

While this account offers a low minimum opening balance, you can receive interest on balances of at least $2,500. E-Statements and Direct Deposit are required for this account.
Apply Now


View all fees associated with our checking accounts by viewing our fee schedule.

Check re-order

If you are in need of new checks for your Farmers & Merchants State Bank account, you can easily order them by following this link.