Personal Banking

Made Easy

Since 1912, The Farmers & Merchants Bank has been providing a variety of financial services for residents of Noble County and the surrounding areas.  We offer a wide range of banking products and services that enable you to do your banking with local people who really care.

Personal Checking Accounts

Checking Accounts

Regular Checking

This account includes easy to read monthly statements, complete with printed images of every cancelled check.

NOW Account

If you want to earn competitive interest rates on your checking balance, this account is for you!

NOW Account EZ

This account allows you to earn competitive interest rates on your checking balance, while enjoying the convenience of EZ checking.

EZ Checking

Our most popular account focuses on simplifying your life. If you like to save paper and time by accessing your records online, this account is for you.

Super NOW Account

A Super NOW Account is the perfect interest earning option for large balance accounts.

Super NOW Account EZ

This account is ideal for managing larger balances while enjoying the simplicity of our EZ checking product.

Checking Comparison Chart

Account Minimum Deposit to Open Monthly Service Fee or Balance Requirements Statement Type Unlimited Check Writing Interest Earning
Regular Checking $100.00 $5 or $100.00 Paper Statement/eStatement
EZ Checking $20.00 None Paper Statement/eStatement
NOW Account $1000.00 $10 or $1000.00 Paper Statement/eStatement
NOW Account EZ $1000.00 $10 or $1000.00 Paper Statement/eStatement
Super NOW Account $2500.00 $10 or $2500.00 Paper Statement/eStatement
Super NOW EZ $2500.00 $10 or $2500.00 Paper Statement/eStatement

Personal Savings Accounts

Savings Accounts

Starter Savings

Imagine if at age 10 you knew what you know today? Teach smart saving habits early with a starter savings account.

Regular Savings

We offer simple solutions to fit your life. With a balance of $100, your account will earn interest and you'll avoid service charges.

Savings Clubs

A Christmas they won't forget? A vacation in Italy? Christmas in Italy? We have a savings club for you. Let's make this year amazing.

Money Market HI FI

Earn more by saving more. Higher balances mean higher rate tiers with our Money Market HI FI account.

Savings Rates

Discover the difference. See how much you can save with our competitive interest rates. Call for rates at Call us at 888.881.5680

Personal Loans & Mortgages

Loans | Mortgages


Buying a home is a big deal. Let us make it easier with personalized service, low closing costs and expert support.

Personal Loans

We offer fast turn around times on personal loans because we know unexpected expenses don't wait for anyone.

Consumer Loans

Whether you are hitting the open road or the high seas we have a consumer loan for you.

Car Loans

We love that new car smell! After the test drive, call us and we'll manage your car loan in-house.

Personal Investment & Retirement

Invest | Retirement

Certificates of Deposit

Our CDs offer safety and security with competitive interest rates. Go ahead, invest in peace of mind.

Traditional IRA

Enjoy the best of retirement, courtesy of The Farmers and Merchants Bank stress-free Traditional IRA.

Roth IRA

You've earned the right to make your own decisions. Plan retirement on your terms and enjoy the flexibility of a Roth IRA

Investment Rates

We pride ourselves on being the best choice for your investments. We work hard to protect your earnings by offering competitive interest rates. Call for rates at Call us at 888.881.5680