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Farmers & Merchants State Bank

Checking Accounts

Regular Checking

To avoid a service charge or other fees you must maintain a minimum daily balance of $250.00 or a minimum average daily balance of $1,000.00 for the monthly statement cycle. You will receive an image statement.


Business Checking

The account is not a consumer account to which Truth in Savings applies. To avoid a service charge or other fees you must maintain a minimum daily balance of $250.00 or a minimum average balance of $1,000.00 for the monthly statement cycle you will receive an image statement.


NOW Checking

To avoid a service charge or other fees you must maintain a minimum daily balance of $1,000.00 or a minimum average daily balance of $1,500.00 for the monthly statement cycle. You will earn interest on this account. Your interest rate and annual percentage yield may change. We may change your interest rate on this account at any time. You will receive an image statement.


SUPER NOW Checking

To avoid a service charge or other fees you must maintain a minimum daily balance of $2,500.00 or a minimum average daily balance of $3,000.00 for the monthly statement cycle. You will earn interest on this account. Your interest rate and annual percentage yield may change. We may change your interest rate on this account at any time. You will receive an image statement.


Senior & Student Checking

Fees will not apply to a student age 24 years and under and senior citizens age 60 years and over upon customer notification to bank. You will receive an image statement.


Kasasa Cash

A free variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.


Kasasa Cash Back

A free variable reward checking account with no minimum balance that rewards accountholders with cash back on their debit card purchases and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.