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Farmers & Merchants National Bank

Savings

Passbook Savings Account


  • $5.00 opening deposit required
  • Interest added back quarterly to the account
  • No monthly fees (maximum of six withdrawals per month to avoid fees) **The six withdrawal limit has been temporarily lifted by the Federal Government due to the Covid-19 Pandemic


Christmas Savings Account 


  • Minimum of $5.00 to open
  • No withdrawals can be made from the account
  • Starts in September and continues to the following September
  • A check is printed for the balance plus the interest and automatically mailed to the customer
  • Penalty for Early Withdrawal

Vacation Savings Account


  • Minimum of $5.00 to open
  • No withdrawals can be made from the account
  • Starts in April and continues to the following April
  • A check is printed for the balance plus the interest and automatically mailed to the customer
  • Penalty for Early Withdrawal

Cool Kids Savings

What a great way to teach your children the value of saving!

  • Ages 0 to 12 years old
  • Child Friendly Passbook
  • At account opening, receive a cool t-shirt or bib!
  • Rewards Card - After they fill their card with 10 punches, they get to pick a prize from our Kids Club Treasure Chest and get to register for an awesome quarterly drawing prize!
  • For every deposit of at least $5,  your child receives a punch on their very own rewards card.
  • If your child already has a passbook savings account with F&M, just give us a call today and we will make sure they get a rewards card!