Personal Checking

We offer a variety of Personal Checking accounts with many different benefit options to fit your banking needs. See the chart below for all available options.  Contact us today for any questions or to open a new account.

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Compare Our Accounts

FeaturesHometown SecureHometown BasicFree CheckingStudent CheckingNOW CheckingSuper NOW CheckingMoney Market
What is the minimum amount to open? $100 $50 $50 $25 $1,000 $2,500 $2,500
What is the minimum daily balance to avoid a service charge? N/A N/A N/A N/A $1,000 $2,500 $2,500
What is my monthly service charge? $8 monthly. At age 65, fee reduces to $5. $4 N/A N/A $10 $12 $12.50
Is there a limit on the number of transactions per month? No limit 50 electronic and/or paper debits posted free; $0.10 each additional debit No limit No limit No limit No limit 6 electronic and/or paper debits posted free; $5.00 each additional debit
Does this account have a debit card? Yes Yes No Yes Yes Yes Yes
Do I earn interest? Yes, minimum average daily balance of $1,000 is required to obtain the APY. No No No Yes, minimum average daily balance of $1,000 is required to obtain the APY. Yes, minimum average daily balance of $1,000 is required to obtain the APY.
Tier 1: $1000-$2,499.99
Tier 2: $2,500 and up
Yes, minimum average daily balance of $2,500 is required to obtain the APY.

Interest Rate including APY

As of December 15, 2017

0.10% N/A N/A N/A
0.10%
Tier 1: 0.10% Tier 2: 0.15% 0.50%
What other benefits do I receive?
  • Free Personalized Checks (one box per calendar year)
  • $5 discount on annual safe deposit box rent
  • IDProtect - Identity Theft Monitoring & Resolution Service (1)**
  • Cellular Telephone Protection (2)
  • Free Notary Service
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit (upon approval)
  • Two free stop payments annually
  • Free notary service.
  • Free Notary Service
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit (upon approval)
  • Free Notary Service
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit (upon approval)
  • Free Notary Service
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit (upon approval)
  • Free Notary Service
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit (upon approval)
  • Free Notary Service
  • Free Telephone Banking
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit (upon approval)

*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for one year at the same interest rate. Service charges and fees may reduce earnings.

**Registration and activation required

(1) IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners).  Service is not available to a "signer" on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).  Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

(2) Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

 

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Personalization Settings

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Welcome

The Farmers & Merchants Bank would like to personalize your banking experience. Please enter your first name below..

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind me again.