Personal Checking

Farmers & Merchants offers you everything a large bank does and more. With any Personal Checking account, you’ll get free online banking and mobile banking with bill pay or biz pay, free direct deposit, free e-statements and free debit cards.

Pick from these Personal Checking accounts to best fit your lifestyle.

SmartEveryday Checking

  • Interest is paid on account (see rates)
  • No monthly fee if $750 daily balance is maintained

eSmart Checking

  • No minimum balance is required
  • Unlimited electronic access
  • 5 paper debits (checks)/month free, $0.15/paper debit thereafter

Smart55 Checking

  • For customers 55 years old or older
  • Interest is paid on account (see rates)
  • No monthly fee if $350 daily balance is maintained
  • Eligible to join Classic VIP Club by maintaining $2,000 balance

Smart Checking

  • Premium interest paid on first $25,000 balance (see rates)
  • Minimum of 12 debit card purchases/month to qualify
  • One direct deposit or recurring auto debit/month to qualify
  • Must sign up for ongoing e-statements to qualify
  • Monthly fee waived if qualifications are met

Prime Fund

  • Requires a $10,000 minimum balance to open
  • Earns a competitive rate of interest on balances of at least $25,000 (see rates)
  • Tiered rate structure allows larger balances to earn higher rates of interest
  • Unlimited checking & deposit privileges
  • No monthly fees

Stop by to open your new checking account today! Plus, find out more about our free services that give you extra security—Verified by Visa and Fraud Watch PLUS.

Farmers & Merchants Bank – Smart Bank. Smart You.