Family of four at their car door

Checking

Whether your banking needs are simple or complex, Merchants & Farmers Bank has a checking account for you.  Accounts include:

  • Online Banking with Bill Pay
  • eStatements
  • Merchants & Farmers ATM Card
  • Instant-issue Freedom Check™ Visa® Debit Card
  • Bankline (24 hr. Telephone Banking)
  • Direct Deposit
  • Overdraft Privilege available
Note: Non-Sufficient Funds (NSF) fees may apply (if applicable).
Regular checking
  • $50 minimum deposit to open
  • No service charge if minimum balance of $500 is maintained
  • No charge for first (20) cleared paper checks per statement cycle; 15¢ for each paper check thereafter
really basic checking
  • $50 minimum deposit to open
  • No minimum balance requirements
  • Unlimited check writing
  • No per check charge
  • No charge for initial debit card
  • Unlimited non-M&F Bank ATM fees
blue ribbon checking
  • $50 minimum deposit to open
  • Comes with Accidental Death Insurance
  • Monthly Service Charge:
    Single-$9, Double-$10, Triple/Family coverage-$11
  • Unlimited check writing
  • (2) boxes of Specialty Blue checks, no charge (per year) or discounted Designer checks
  • No issue fee for money orders or cashier's checks
  • $3 discount on Safe Deposit Box rental
curve checking
  • 60 years of age & older
  • $50 minimum deposit to open
  • No minimum balance requirements
  • (4) boxes of Specialty Blue checks, no charge (per year) or discounted Designer checks
  • No issue fee for money orders or cashier's checks
student checking
  • $50 minimum deposit to open
  • Must be full-time student
  • No minimum balance requirements
  • No charge for first (20) cleared paper checks per statement cycle; 15¢ for each paper check thereafter
Now account
  • $1500 minimum deposit to open/maintain to avoid monthly service charge
  • $1,499.99 & below=$7 monthly service charge
  • No charge for first (20) cleared paper checks per statement cycle; 20¢ for each paper check thereafter
  • Interest-bearing
money market account
  • $1000 minimum deposit to open
  • Account is limited to 6 debits per month ($10 for each additional debit)
  • Interest-bearing
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Personal Lending

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