Personal Banking | Checking Accounts
Free VIP Checking
A totally FREE personal checking account designed to make life easy!
- No minimum balance requirement
- No service fees
- Unlimited check writing
- Free first order of checks
- Unlimited teller transactions
- Free ATM / Debit Visa® Check Card
- Free ATM transactions on the Freedom ATM Alliance network
- Free Online Banking - Net Banker
- Free Telephone Banking - In Touch
- Free Direct Deposit
- Unlimited FDIC Coverage
- $50.00 minimum deposit to open
VIP Checking with Interest*
Easily manage your banking with this interest bearing checking account that combines a tiered rate of interest with the flexibility of unlimited check writing.
- Unlimited check writing
- Free first order of checks
- Free ATM / Debit Visa® Check Card
- Free ATM transactions on the Freedom ATM Alliance network
- Free Online Banking - Net Banker
- Free Telephone Banking - In Touch
- Free Direct Deposit
- To obtain the disclosed annual percentage yield you must maintain a $1,000.00 minimum daily balance
- $5.00 monthly service fee if average daily balance is below $1,000.00
- Interest compounded daily, credited monthly
- $50.00 minimum deposit to open
*Interest begins to accrue on the business day we receive your deposit. Interest rate and annual percentage yield may change at our discretion on your account.
| Daily Balance | Minimum Opening Deposit Amount |
Minimum Balance to Obtain APY |
APY | Interest Rate |
|---|---|---|---|---|
| $1,000 - $24,999.99 b. | $50 | $1,000 c. | 0.05% | 0.05% |
| 25,000.00 – 99,999.99 b. | $50 | $1,000 c. | 0.05% | 0.05% |
| $100,000.00+ b. | $50 | $1,000 c. | 0.05% | 0.05% |
a. A penalty may be imposed for early withdrawal.
b. The interest rate and annual percentage yield may change after account opening.
c. Daily balance. The amount of the principal in the account each day.
APY and interest rates are accurate as of (01-02-2013) and subject to change before or after account opening.
*APY—annual percentage yield is calculated using the daily balance method.
Fees may reduce earnings.
Please contact us at 724-543-1125 to inquire about rates, terms, or applicable fees.
Make The Move
Moving your banking relationship has never been easier! Here at Farmers & Merchants Bank, we make it simple and easy to move from your old financial institution and begin to immediately enjoy the benefits of banking with us. Check out the link below to view our Move Kit!
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Holiday Hours
All Offices Closed:
Monday, May 27
Memorial Day
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