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Farmers & Merchants National Bank Website

24-Hour Teller


  • $250.00 to open


  • No minimum balance requirements
  • Unlimited paper check writing, MasterCard CheckCard transactions, ATM withdrawals and automatic transfers
  • 24/7 cash and debit card access with MasterCard CheckCard/ATM Card
  • Free 24-hour access to TeleBank
  • Free 24-hour access to Internet Banking
  • Free notary public service
  • Free first month balancing help, if needed
  • Free convenient statement binder


  • $8.50 maintenance fee per month
  • No charge for F&M ATM machine usage. Fees will apply for use at ATM machines not owned by F&M Bank.
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Checking Accounts

Checking Accounts for all of your needs, we have them! Start an account today.