Choose the Checking Account that Fits You
The right checking account is critical to giving you the power to access your money when you need it. Your checking account should meet your needs, allow you to access your accounts, and give you plenty of benefits. Farmers & Merchants State Bank offers three checking accounts for you to choose from, our Freedom Checking, Prosperity Checking and Prime Checking accounts. If you’re interested in opening a checking account, please complete our online inquiry form.
Account Inquiry Form Open an Account in Person Current RatesAccount | What You Need to Know |
|---|---|
Freedom Checking | This is a traditional checking account that features no monthly service fees and a low minimum balance requirement for easy maintenance. Enrolling in E-statements is a requirement for this account. |
Prime Checking | This checking account is for customers looking to collect a higher interest rate than a traditional checking account, even when their funds are idle. Interest on this account is compounded monthly. You must enroll in E-statements and Direct Deposit. |
| Introducing.....LEGACY REWARDS CHECKING | Earn More. Save More. Live More. Make your money work for for you with our highest interest-earning checking account. Designed for those who want to maximize their savings while keeping their funds accessible, this is THE account to have. You must have direct deposit, e-statements, one automatic payment (external or internal) and minimum of 15 debit card transactions. If all four criteria are not met in a statement cycle, rate will be .01% APY* |
Checking Account Features
The following features are available for all checking account holders at Farmers & Merchants State Bank:
- Free CardValet®
- Free Internet Banking with check view and E-statements
- Free 24/7 Telebanc services
- Free Mobile Money
- Free Mastercard Debit ATM Card
- Free Personalized financial plan
- Free one-year rental of 3”x 5” safe deposit box
- Free money orders
- Free cashier’s checks
- Free check safekeeping
- Free ClickSWITCH
- Unlimited check writing
- Check image statements available for low fee
- Online Bill Pay
- No minimum balance requirements
- Paper statements available for low fee
