Farmers & Merchants State Bank
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Deposit Products > Checking



PersonalBusinessRegular NOWSenior Citizen NOW
Super NOWMoney Market (HiFi)

Personal

  • Basic Checking
  • No monthly service charge
  • Unlimited checks
  • No per check charge
  • Imaged checks returned with statements
  • Shazam® debit card availability
     

Business

  • Basic Checking
  • Interest Bearing Checking
    • Sole Proprietorships
    • Interest paid on daily balance
  • No deposit fee
  • Service Charges may apply
  • Statements and imaged checks produced last
    business day monthly
  • Funds available first business day after deposit
  • No returned deposit item fee

Regular NOW

  • Interest paid on daily balance
  • $900 minimum daily ledger balance or $1,500 average available balance to avoid monthly service charge
  • Unlimited checks and deposits
  • Imaged checks returned with statements
  • Shazam® debit card availability
     

Senior Citizen NOW

  • Interest paid on daily balance
  • $500 minimum daily ledger balance or $850 average available balance to avoid monthly service charge
  • Unlimited checks and deposits
  • Imaged checks returned with statements
  • Shazam® debit card availability

Super NOW

  • Interest paid on daily balance
  • $2,500 minimum daily ledger balance to avoid a monthly service charge
  • 20 free checks per month
  • Imaged checks returned with statements
  • Shazam® debit card availability
     

Money Market (HiFi)

  • Interest paid on daily balance
  • $2,500 minimum daily ledger balance to avoid a monthly service charge
  • Total of 6 electronic funds transfers per cycle