Mature couple dancing in kitchen


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.  Saving regularly is the most reliable path to financial security.  Accounts include:

  • Online Banking
  • eStatements
  • Merchants & Farmers ATM Card
  • Bankline (24 hr Telephone Banking)
  • Direct Deposit
savings account
  • $100 minimum deposit to open
  • 2 free monthly debits
  • No service charge if minimum balance above $200 is maintained
  • Interest-bearing

Christmas club
  • $1.00 minimum deposit to open
  • No monthly service charge
  • Maximum account balance $5,000
  • Checks direct deposited or mailed in November
  • Interest-bearing

LUTMA Savings (Minor)
  • $25 minimum deposit to open
  • No service charge until 18 years of age
  • 2 free monthly debits
  • Interest-bearing

Mature couple dancing in kitchen
Personal Checking

A checking account tailored to your life.

Take control of your finances with a variety of our checking accounts.