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Farmers & Merchants National Bank Website

Personal Checking


  • $250.00 to open


  • No monthly charge if minimum balance requirement is met
  • 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 with a minimum balance of $400.00 or above
  • If the minimum balance drops below $400.00, a $6.00 minimum balance fee will be charged for that month plus an item fee of $.15 will be imposed on each withdrawal.
  • 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.