Merchants & Farmers has an account just for you! Whether you are a student, senior or business, we have an account to suit your needs, we cater to all of our customers including our regular checking customers. Click on any of the accounts below to learn more about each account:
TOTALLY FREE Checking Account
 $ 50.00 Minimum Opening Deposit
No Monthly Service Charge
No Per Debit Charge
Truncated Statement - No Images
No Monthly Fee ATM/Visa Debit Card
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
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Regular Checking Account
$200.00 Minimum Opening Deposit
Monthly Service Charge of $7.00 if balance falls below $600.00
$.15 per debit over 30 per month per debit charge
Detailed monthly statement with check images
No monthly ATM/Visa Debit Card fee
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
Student Checking Account
Must be a full-time student under the age of 25. Account will revert to a Regular Checking after age of 25.
$200.00 Minimum Opening Deposit
No Monthly Service Charge
.15 per debit over 15 per month
Detailed monthly statement with check images
No monthly ATM/Visa Debit Card fee
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
NOW Checking Account
Must be individuals, sole proprietor, or non-profit organizations, including corporations that are operated primarily for religious, philanthropic, charitable, educational, political, or other similar purposes. Government, county, municipality, or political units are also eligible to maintain a NOW account.
$1,000.00 Minimum Opening Deposit
$7.00 Monthly Service Charge if minimum balance falls below $1,000.00
.15 per debit over 25 per month
Detailed monthly statement with check images
No monthly ATM/Visa Debit Card fee
Now Interest compounded monthly
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
NOW PLUS Checking Account
Must be individuals, sole proprietor, or non-profit organizations, including corporations that are operated primarily for religious, philanthropic, charitable, educational, political, or other similar purposes. Government, county, municipality, or political units are also eligible to maintain a NOW account.
$2,500.00 Minimum Opening Deposit
$7.00 Monthly Service Charge if minimum balance falls below $2,500.00
.25 per debit over 6 per month
Detailed monthly statement with check images
No monthly ATM/Visa Debit Card fee
Now Plus Interest compounded monthly
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
Commercial Checking Account
$200.00 Minimum Opening Deposit
Monthly Service Charge of $7.00
$.15 per debit per month
Earnings credit of .20 per $100.00
Detailed monthly statement with check images
No monthly ATM/Visa Debit Card fee
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
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Commercial Plus Checking Account
$2,500.00 Minimum Opening Deposit
Monthly Service Charge of $7.00 if balance falls below $2,500.00
$5.00 per debit over 6 per month
Detailed monthly statement with check images
No monthly ATM/Visa Debit Card fee
Commercial Plus Rate compounded monthly
Also Available:
E-Statements – Emailed Statements.
Combined Statements – Several accounts on one monthly statement
Internet Banking – Online account information, transfers, etc.
Bill Pay – Easy online bill payment service.
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