Personal Banking | Checking Accounts

Free VIP Checking

A totally FREE personal checking account designed to make life easy!


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.

*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!

Access our Move Kit


Account Extras

Learn about your FDIC coverage

Online Banking

Access your account online.


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Transfer funds.
Pay bills.
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Holiday Hours

All Offices Closing at Noon:
Friday, April 18
Good Friday

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