888-478-3007 Waterloo - Marshall, WI

Online Banking

Personal Checking Accounts

Freedom Checking & Prosperity Checking 

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 CardValet®

    Interactive Video Player

  • Free Internet Banking with check view and E-statements
  • Free 24/7 Telebanc services
  • Free Mobile Money
  • Free Mastercard Debit ATM Card
    Interactive Video Player
  • Free Personalized financial plan
  • Free one-year rental of 3”x5” safe deposit box
  • Free money orders
  • Free cashiers checks
  • Free check safekeeping
  • Free ClickSWITCH - easily move recurring payments and direct deposit to your new account with the click of a mouse.  Click here to learn more.
  • 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.


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 complete our quick and easy inquiry form and a Universal Banker will contact you.

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.

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.


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.