Your future begins with our history since 1928.

Online Banking


A savings account is almost a necessity for unexpected needs, a child's first bank account, Christmas savings plans, vacation savings and a variety of other short term savings needs. Merchants & Farmers Bank offers several interest-bearing savings accounts to help you achieve your financial goals. They may not carry all the glamour of a mutual fund or a money market account, but a regular savings account is a sound, essential investment, and one that can grow into something quite substantial here at Merchants & Farmers Bank. Saving regularly is the most reliable path to financial security. Merchants & Farmers Bank accounts include:

  • Free Online Banking
  • Free Online statements
  • Merchants & Farmers ATM Card
  • Free 24 Hour Telephone Account Access (Bankline)
  • Free Direct Deposit


Savings Account

  • $100 minimum Deposit to open
  • 2 free monthly debits
  • No service charge if minimum balance is maintained

Christmas Club

  • $1.00 minimum Deposit
  • No withdrawals before maturity (penalty charged for early withdrawal)
  • Checks mailed in November

LUTMA Savings (Minor)

  • $25 minimum deposit
  • No service charge
  • 2 free monthly debits