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Farmers & Merchants National Bank Website



  • $250.00 to open


  • No minimum balance requirements
  • Free 24-hour access to TeleBank
  • Free 24-hour access to Internet Banking
  • MasterCard CheckCard/ATM Card available for a $1.50 maintenance fee per month


  • $6.00 maintenance fee per month
  • An item fee of $.15 will be imposed on each withdrawal
  • Each month, a $.30 credit on the item and maintenance fees will be given for each $100.00 lowest ledger balance in the account
  • 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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NOW Accounts

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