deposit services


personal checking
$100 minimum deposit required to open checking accounts


classic silver checking
This simple checking account with many benefits is our most poplar checking account due to the low minimum balance.

winner's gold checking
This is the ultimate checking account. No minimum balance requirement plus free checks, loan discounts, and many other valuable benefits.

winner's gold 55 checking
If you are 55 or better, enjoy the many benefits of a Winner's Gold account at a reduced fee.

budget checking
This account is for you if you write only a few checks a month.

now account
This interest paying feature is available with all our accounts. A monthly average balance of $750 is required.

super now account
This account pays a premium rate of interest if a balance of $2500 is maintained.

checking plus
An established line of credit provides overdraft protection.

ATM checking
All of our accounts have the added convenience of a VISAŽ Check Card. Use the check card to access an ATM or use it like a check wherever VISAŽ is accepted.

regular savings
An account to make saving easy for you!

christmas club account
Save throughout the year to have funds available for the holidays.


additional services & fees

business accounts and services

Minimum opening balance - $300
Monthly Maintenance Fee - $8, if the balance falls below $300

organizational accounts

We have several options for our customers who need a non-personal, non-business account to manage the funds for a club, organization, or special interest group.





Farmers-Merchants National Bank Disclosures


Photographs by Larry Kanfer Photography, www.kanfer.com