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Farmers & Merchants Bank

Savings & Money Markets

Pay yourself first.

Simple Savings

Earn interest and get six free withdrawals per quarter. There's no minimum balance requirement and you can open with just $75. It's that simple.

  • $75 minimum opening deposit.
  • No minimum balance.
  • Interest compounded & credited quarterly.
  • 6 free withdrawals per quarter. $2 per item fee for any withdrawal over 6 per quarter.
  • Statements are sent out bi-annually - the end of June and end of December.
  • ATM card only (no debit card) - no charge for 1st card or stolen card. $10 fee for lost or damaged card.
  • Available for Business Accounts.

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Lucky Duck Super Savers

Super kids know saving is important! This children's savings account is perfect for kids 12 and under with only $15 to open. Earn interest and learn about saving!

  • $15 minimum opening deposit.
  • For children ages 12 and under.
  • Earns interest.
  • No monthly service fee.
  • 6 free withdrawals per quarter. $2 per item fee for any withdrawal over 6 per quarter.
  • Complimentary super hero cape/gift items.
  • Statements sent out bi-annually - the end of June and end of December.

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Christmas Club

Give yourself a Christmas Bonus. Enroll at any time and make deposits whenever you wish. You'll automatically get a check for the amount you saved by the second week of November, just in time for the holidays!

  • Open enrollment, any time.
  • Deposits can be made in any increment.
  • Non-interest bearing.
  • The amount saved will be credited automatically to the customer’s designated Checking or Savings account on or by the 2nd week of November.
  • $5 penalty for early withdrawal. Account will be closed at that time.
  • Account will remain open when money is disbursed in November and can start receiving new deposits for the following year.

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Coverdell Education Savings Account

Get tax-free earnings on your child’s education savings with the Coverdell, an education savings plan for children up to age 18.

  • Education savings plan for children up to age 18.
  • Parents make non-deductible contributions up to $2,000 per child per year.
  • Earnings are tax-free when used for qualified educational purposes.
  • Must be spent by age 30 or rolled over to another family member under the age of 30 years.

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Money Market Account

This account offers you a place to grow your money with interest. Both personal & business accounts are available.

  • $2,500 minimum opening deposit.
  • No service fee if daily balance of $2,500 or more.
  • $10 service fee if balance falls below $2,500 any day of the cycle.
  • Allows 6 withdrawals per month.
  • ATM card only (no debit card) - no charge for 1st card or stolen card. $10 fee for lost or damaged card.
  • $500 overdraft privilege.
  • Tiered interest rates at four levels.

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More Me Banking

Calculators

Curious about how much you can afford to borrow or how fast you can save for your next fun purchase?

Your Identity

Protecting yourself from identity theft is a real concern. Learn more about ways you can safeguard your information.

Online Banking

Banking the way you like it. View accounts, pay bills, transfer funds and even pay people.

*Federal law prohibits excessive debits on savings accounts. Excessive activity is defined as more than six withdrawals per month from outside the bank.