Personal Checking Accounts that Fit Your Needs
The personal checking accounts offered by Farmers & Merchants Bank are a great way for you to access your funds easily. With this type of account, you can:
- Manage Your Finances Effectively – Use a checking account to budget your funds, save for major purchases, and pay for bills on time.
- Write Checks – Pay for products or services without getting cash from an ATM.
- Receive Deposits Directly to Your Account – Instead of cashing out a physical check at a bank or another financial institution, your employer or benefits provider deposits the money directly to your checking account.
Open a checking account today by visiting one of our bank branches in Indiana.
| Prestige Checking | Student Checking | Be Green e-Checking | Interest Checking | Health Savings Account | |
|---|---|---|---|---|---|
Description | Prestige Checking Our standard checking account. | Student Checking A checking account for students; has no monthly cost of service. Requires proof of enrollment and e-Statements. | Be Green e-Checking Offers multiple ways to waive your monthly cost of service. e-Statements only. | Interest Checking An everyday checking account that earns interest. | Health Savings Account An account used to set money aside for medical expenses. Annual contribution limits. Must have qualifying high deductible health plan. |
Minimum Opening Balance | Prestige Checking $100.00 | Student Checking $100.00 | Be Green e-Checking $100.00 | Interest Checking $500.00 | Health Savings Account $100.00 |
Online and Mobile Banking1 | Prestige Checking Yes | Student Checking Yes | Be Green e-Checking Yes | Interest Checking Yes | Health Savings Account Yes |
Farmers & Merchants VISA Debit/ATM Card | Prestige Checking Yes | Student Checking Yes, IF Student is 18 OR has Adult on Account | Be Green e-Checking Yes | Interest Checking Yes | Health Savings Account Debit Card Only |
FREE Bill Payment Service2 | Prestige Checking Yes | Student Checking Yes | Be Green e-Checking Yes | Interest Checking Yes | Health Savings Account N/A |
e-Statements3 | Prestige Checking Yes | Student Checking Yes | Be Green e-Checking Yes | Interest Checking Yes | Health Savings Account Yes |
Paper Statements3 | Prestige Checking Yes | Student Checking N/A | Be Green e-Checking N/A | Interest Checking Yes | Health Savings Account Yes |
Unlimited Transactions | Prestige Checking Yes | Student Checking Yes | Be Green e-Checking Yes | Interest Checking Yes | Health Savings Account N/A |
Earns Interest | Prestige Checking N/A | Student Checking N/A | Be Green e-Checking N/A | Interest Checking Yes | Health Savings Account Yes |
Cents-Able Savings (with F&M Savings Account) | Prestige Checking Yes | Student Checking Yes | Be Green e-Checking Yes | Interest Checking Yes | Health Savings Account N/A |
Interested? | Prestige Checking Learn More | Student Checking Learn More | Be Green e-Checking Learn More | Interest Checking Learn More | Health Savings Account Learn More |
- Must be at least 13 years of age to be eligible for Online Banking and Mobile Banking
- Bill Payment service available for customers age 18+ with eligible accounts
- Cost of Service for e-Statements and Paper Statements vary by account and by balance. Please contact Bank Representative for details.
Prestige Checking
Ideal for people who just want the basics. This is a traditional checking account with unlimited check writing
Great Benefits of our Checking Accounts:
- ATM/Debit Card
- Automatic Transfers
- Mobile Banking
- Text Banking
- Debit Card Activity Alerts
- Online Banking & Bill Pay
- Telephone Banking through the Freedom Line
- Cents-able Savings
Student Checking
A great account for children or students of all ages! Includes unlimited check writing and a low opening balance. We offer college students an account with no monthly fees regardless of account activity.
Great Benefits of our Checking Accounts:
- ATM/Debit Card
- Automatic Transfers
- Mobile Banking
- Text Banking
- Debit Card Activity Alerts
- Online Banking & Bill Pay
- Telephone Banking through the Freedom Line
- Cents-able Savings
Be Green Checking
Full-service account for active online banking users with easy ways to reduce or eliminate monthly service charges. Manage cost of service by balance, with direct deposit, or with debit card activity.
Great Benefits of our Checking Accounts:
- ATM/Debit Card
- Automatic Transfers
- Mobile Banking
- Text Banking
- Debit Card Activity Alerts
- Online Banking & Bill Pay
- Telephone Banking through the Freedom Line
- Cents-able Savings
Interest Checking
Earn interest that’s compounded monthly with this popular account that offers unlimited check writing.
Great Benefits of our Checking Accounts:
- ATM/Debit Card
- Automatic Transfers
- Mobile Banking
- Text Banking
- Debit Card Activity Alerts
- Online Banking & Bill Pay
- Telephone Banking through the Freedom Line
- Cents-able Savings
Health Savings Account
Account used with qualified high deductible health plans
Great Benefits of our Checking Accounts:
- Debit Card
- Mobile Banking
- Debit Card Activity Alerts
- Online Banking
- Text Banking
- Telephone Banking through the Freedom Line