Smart Checking

Now you can get all of the benefits of a great checking account and earn 2.02% APY* interest too.

Benefits:

• 2.02% Interest*
• No Minimum Balance
• No Monthly Fee
• FREE Online Banking with Billpay
• FREE Mobile Banking with Mobile Deposit

Requirements:

• Minimum of 12 Debit Card Purchases/Month
• One Direct Deposit or Recurring Auto Debit/Month
• Must sign up for ongoing e-statements to qualify
• Monthly fee waived if qualifications are met

Make a smart choice – come in and open your checking account and start earning interest today!

Farmers & Merchants Bank – Smart Bank. Smart You.

*2.02% Annual Percentage Yield as of 2/15/16. Rate may change after account is opened. 2.02% APY is on balances up to $25,000 and 0.03% APY for balances beyond the first $25,000. Fees could reduce the earnings on the account. Restrictions apply.