SAFE Account

Always be prepared.

Our Special Automatic Funding Enhancement (SAFE) account will protect you from overdraft fees.

Do you worry about your checking account becoming overdrawn? We offer our customers a convenient way to avoid an overdraft or return check charge as well as save the embarrassment of having a check returned for insufficient funds. All you have to do is have a savings account with our bank as well as your checking account.

For a one time $25.00 fee the paperwork can be completed that will allow money to be transferred from your savings account to cover an overdraft when the balance in your checking account falls below zero. Each day that this service is used the fee is only $1.00.

Save yourself time and hassle by setting up a SAFE account today.


Switch to FMB

For over 100 years, The Farmers and Merchants Bank has been serving the community. We would like to serve you, too. We’ve made switching to FMB as simple and convenient as possible.