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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 Visa® "tap-and-go" Debit Card
  • Bankline (24 hr. Telephone Banking)
  • Direct Deposit
  • Overdraft Privilege available
A Merchants & Farmers Bank checking account also gives you and your family access to Greenlight, the debit card and money app for kids and teens.  With Greenlight, you can send money quickly, see real-time spending notifications, manage chores, and automate allowances - all while teaching your kids about financial literacy.  For more information on the types of subscriptions available, visit our Greenlight information page.
 
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
  • $3 discount on Safe Deposit Box rental

money market account
  • $1000 minimum deposit to open
  • Interest-bearing

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



















Click here to print out our Switch Kit.  This kit will make switching
your account(s) to Merchants & Farmers Bank a breeze.
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