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Farmers & Merchants National Bank Website



  • $1,500.00 to open
  • $400.00 minimum balance required to receive interest


  • Interest bearing account, please call Customer Service during business hours at 580-227-3773 for current rates
  • 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


  • No monthly charge if balance remains above $1,500.00
  • If balance falls below $1,500.00, a $5.00 minimum balance fee will be imposed that month
  • An item fee of $.15 will be imposed on each withdrawal in excess of 20 during a statement cycle, regardless of minimum balance
  • If balance falls below $400.00, no interest will be earned during the days below this minimum
  • No charge for F&M ATM machine usage. Fees will apply for use at ATM machines not owned by F&M Bank
Laptop with home on the screen


You need a bigger house, we have you covered with our Mortgage loans.