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
  • 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.
  • Shazam Bolt$ mobile application to track debit/ATM card transactions


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.