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Farmers & Merchants National Bank


Commercial Checking Account

  • No minimum balance
  • $100.00 opening deposit required
  • Unlimited check writing
  • Check images returned
  • Other benefits as allowed by law or group guidelines

NOW Account

  •  Sole Proprietor only
  • Minimum of $1,000.00 to open this account
  • Minimum daily balance of $1000.00 ($12.00 monthly service charge if balance falls below $1000.00 any day during the monthly statement cycle)
  • Interest compounds monthly to the account
  • Free F&M Internet banking
  • Free bill pay
  • Free ATM or debit card (where qualified)

Municipal NOW Account

  • $12 monthly service charge if balance drops below $20,000 any day during statement cycle
  • $40,000 minimum opening deposit
  • Interest compounds monthly to the account
  • Free F&M Internet banking
  • Free bill pay

Important information about opening a legal entity account
Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.
EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.
We proudly support all efforts to protect and maintain the security of our customers and our country.