Smart Checking, Now with a Treat

Written by admin-kidglov on September 3, 2019

by Heidi Schreiner

It’s a pretty sweet deal to begin with: nminimum balance, nmonthly fee, free Online Banking with Bill Pay, free debit cards, free Mobile Banking with Mobile Deposit, and all the hometown service you’ve come to expect from your Bank. But now, Smart Checking with Farmers & Merchants Bank is even sweeter.  

Earn 2.02% APY* Interest! 

Rather than a checking account that “nickel and dimes” you, taking from you every month, the benefits of Smart Checking keep adding up with a great interest rate. And chew on this: the requirements are easy to meet, too.

How to Qualify for Smart Checking, Plus a Sweet Interest Rate:

1. Minimum of 12 Debit Card Purchases per Month
It’s as easy as remembering to use your Bank debit card when you buy groceries, fill up at the pump or take the family out to eat. Use your debit card in your daily life, and you’re done with step one!

2. One Direct Deposit or Recurring Auto Debit per Month
Have your employer deposit your paycheck directly, or put one (or all!) of your bills on auto pay. Even an online subscription counts. Chances are, you’ve already got this set up to simplify your life.

3. Receive Monthly E-statements 
Here’s where it gets really easy. Simply sign up to receive electronic billing statements each month instead of paper. Your bank statements will be delivered to your email inbox, you’ll save a tree or two, and you’ll qualify for free Smart Checking that includes delightful interest rate.

Of course, our sweet Bank staff doesn’t hurt, either. Friendly customer service with great big smiles go along with all the latest technologyproducts and servicesSo, pop in today, open your new Smart Checking account, and start earning some enticing interest 


*2.02% Annual Percentage Yield as of May 7, 2019. 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. 

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