Personal checking


Security Checking acct.


The only account you'll ever need!

Security Checking is our checking account product that will fit your lifestyle changes. This account is designed to fit the needs of the student all the way to retirement. It's the only account you will ever need.

The checking account attributes are:

  • No minimum balance
  • No monthly service charge
  • Debit card available
  • Online Banking & Bill Pay
  • Standard Overdraft Protection 
  • E-Statements
  • Earns interest at a tiered rate-

    Tier 1

      $0.00 to $5,000.00  No Interest                               
    Tier 2   $5,000.01 to $15,000.00  0.05% APY
    Tier 3   $15,000.01 to $25,000.00  0.10% APY
    Tier 4   $25,000.01 to $50,000.00  0.35% APY
    Tier 5   $50,000.01 and over  0.05% APY

    *Rate is variable and subject to change

The account will earn interest based on the “tier” you are in. Meaning —

  • If your balance is $200.00 – no interest
  • If your balance is $15,000.00 – the first $5,000.00 will not earn interest and the remaining $10,000.00 will earn based Tier 2
  • If your balance is $42,000.00 – the first $5,000.00 will not earn interest, the next $10,000.00 will earn 0.05% APY, the next $10,000.00 will earn 0.10% APY and the remaining balance of $17,000.00 will earn 0.35% APY


*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.


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Personalization Settings



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.