Our website requires some cookies to function properly. We do not use cookies for advertisements or tracking purposes. Learn MoreAccept
The Farmers & Merchants Bank
Personal Checking

Savings | Investments | Loans | Other Services

Open up a new account today
740-732-5621


PLEASE NOTE: For checking account customers that are 55 years of age and older, a new style of check is available for FREE, please inquire.

Regular Checking Accounts

If you would like images of your cancelled checks returned to you each month, this account is for you. With only a $500 daily minimum balance, you have unlimited check writing and access to your funds through a nationwide ATM network. You can also have your payroll, Social Security, or government check automatically deposited directly to your account. With a $100 minimum opening deposit, you’ll receive:
  • No per check charge
  • Unlimited check writing
  • $5.00 monthly fee if balance falls below $500.00
  • 24-hour telephone banking
  • Easy to read monthly statement with check images
  • Debit card available upon approval
  • 24-hour access to funds nationwide and abroad. FREE transactions at the ATMs owned by The Farmers and Merchants Bank.

EZ Checking

Our most popular account! Having a checking account really doesn’t get any easier than this! You won't have to worry where to store your cancelled checks. If you need a copy of a check, the bank can provide it to you. It is also easy to have your payroll, Social Security, or government check automatically deposited to your account. With a $100 minimum opening deposit, you’ll receive:
  • No service charges
  • No minimum balance required
  • Easy to read monthly statement with no cancelled checks returned
  • Unlimited check writing
  • Copies of cancelled checks are $1.00 per page
  • 24-hour telephone banking
  • Debit card available on approval
  • 24 hour access to funds nationwide and abroad. FREE Transactions at the ATM’s owned by The Farmers and Merchants Bank.
  • Interest bearing account available-See NOW and Super NOW Accounts section.
Checking with Interest

NOW Account - Regular

If you want to earn competitive interest rates on your checking balance, this account is for you! It is easy to enjoy the convenience of direct deposit by having your payroll, Social Security, or government check automatically deposited to your account. By opening your account with just $1,000 and keeping a minimum balance of $1,000, you’ll enjoy:
  • Interest compounded daily
  • No per check charge
  • Unlimited check writing
  • $10.00 monthly fee if balance falls below $1000.
  • Comes with easy to read monthly statement with check images
  • 24-hour telephone banking
  • Debit card available upon approval
  • 24-hour access to funds nationwide and abroad. FREE transactions at the ATMs owned by The Farmers and Merchants Bank.

NOW Account - EZ

This type of account allows you to earn competitive interest rates on your checking balance, and still enjoy all of the features of our EZ checking product. If you need a copy of a cancelled check, the bank can provide it to you. It is easy to enjoy the convenience of direct deposit by having your payroll, Social Security, or government check automatically deposited to your account. With a $1000 minimum opening deposit, you’ll receive:
  • Interest compounded daily
  • No per check charge
  • Unlimited check writing
  • $10.00 monthly fee if balance falls below $1000
  • Easy to read monthly statement
  • Copies of cancelled checks are $1.00 per page
  • 24-hour telephone banking
  • Debit card available upon approval
  • 24-hour access to funds nationwide and abroad. FREE transactions at the ATMs owned by The Farmers and Merchants Bank.

Super NOW Account - Regular

A Super NOW Account is ideal for the customer who keeps a larger balance in their checking account. Your money can earn a higher rate than our Regular NOW Account offers. Interest is earned based on a tiered variable rate. If a balance of $1000 - $2499 is maintained during the monthly statement cycle the account will earn interest. Even more interest can be earned if the balance stays above $2500 during the monthly statement cycle. You can enjoy the convenience of direct deposit by having your payroll, Social Security, or government check automatically deposited to your account. With a $2500 minimum opening deposit, you’ll receive:
  • Interest compounded daily
  • No per check charge
  • Unlimited check writing
  • $10.00 monthly fee if the balance falls below $2500.
  • Comes with an easy to read monthly statement with check images
  • 24-hour telephone banking
  • Debit card available upon approval
  • 24 hour access to funds nationwide and abroad. FREE transactions at the ATM’s owned by The Farmers and Merchants Bank.


Super NOW Account - EZ

This type of account is ideal for the customer who keeps a larger balance in their checking account, and still wants to enjoy all of the features of our EZ checking product. If you need a copy of a cancelled check, the bank can provide it for you. Your money can earn a higher rate than our Regular NOW Account offers. Interest is based on a tiered variable rate. If a balance of $1000-$2499 is maintained during the monthly statement cycle the account will earn interest. Even more interest can be earned if the balance stays above $2500 during the monthly statement cycle. You can enjoy the convenience of direct deposit by having your payroll, Social Security, or government check automatically deposited to your account. With a $2500 minimum opening deposit, you’ll receive:
  • Interest compounded daily
  • No per check charge
  • Unlimited check writing
  • $10.00 monthly fee if balance falls below $2500
  • Easy to read monthly statement
  • Copies of cancelled checks are $1.00 per page
  • 24-hour telephone banking
  • Debit card available upon approval
  • 24-hour access to funds nationwide and abroad. FREE transactions at the ATMs owned by The Farmers and Merchants Bank.
Related Services

Direct Deposit 

Direct Deposit saves time, and if your time is valuable, Direct Deposit is a real value enhancing product. Add up the time you spend monthly depositing your paycheck and then think of the things you could do instead. Deposits are credited and available the morning of the pay date.


Payroll, Social Security, government checks and other regularly deposited items are available for Direct Deposit. It’s safe and convenient. Just ask your company’s Human Resources/Payroll department for the forms needed for Direct Deposit. For Direct Deposit of government checks, you can request direct deposit by calling 1-800-772-1213.

 

24 - Hour Telephone Banking

Want to balance your checkbook at 11 p.m.? Is your teenager using the family computer so you can’t log on to Internet Banking? With 24-hour telephone banking you can handle all your banking business with just one phone call. Look at all the features of our system:
  • Balance Inquiry
  • Transfer funds between accounts
  • Verify deposits or withdrawals
  • Inquire whether a specific check has cleared
Debit Cards

Get cash 24 hours a day around the world with our MasterCard Debit cards.

Stop in today to complete an application for our debit card.