Welcome to Merchants & Farmers Bank

Checking Accounts
Business & Commercial Accounts
Money Market & Savings Accounts
Certificate of Deposits & IRA's
Investment Services
Financial Calculators

CHECKING ACCOUNTS

Platinum Checking

$100.00 Opening Balance
Unlimited Check Writing
Free Platinum Checks
No Minimum Balance Requirements
Free Visa Check Card
Free Safe Deposit Box for one year (with auto debit)
Free Traveler’s Checks, Money Orders, and Cashier’s Checks
Free Direct Deposits
24 Hour Access to Telephone Banking
Payment Card & Personal Identity Protection available
Discounts available on Pharmacy, Vision and Hearing Care
Discounts available on Local & National Dining, Travel, Hotel, Recreation and Online Shopping
Emergency Travel Assistance Services
$5,000.00 Travel Accidental Death Insurance
$7.00 Monthly Maintenance Fee

Free Checking

$100.00 Opening Balance
No Monthly Maintenance Fee
Unlimited Check Writing
No Minimum Balance Requirements
Free Visa Check Card
24 Hour Access to Telephone Banking
Free Direct Deposits

Interest Checking

Tiered Interest Paid on all Ledger Balances
No Monthly Maintenance Fee with $1,000.00 balance; otherwise $12 monthly
Unlimited Check Writing
Free Visa Check Card
24 Hour Access to Telephone Banking
Free Direct Deposits

Bonus Benefits Checking
Bonus Benefits is available to our Free Checking and Interest Checking customers for a $5.00 Monthly Maintenance Fee.

$100.00 Opening Balance
Unlimited Check Writing
Free Platinum Checks
No Minimum Balance Requirements
Free Visa Check Card
Free Direct Deposits
24 Hour Access to Telephone Banking
Payment Card & Personal Identity Protection available Discounts available on Local and National Dining, Travel, Recreation, Hotels and Online Shopping
Emergency Travel Assistance Services
$5,000.00 Travel Accidental Death Insurance
$5.00 Monthly Maintenance Fee

Platinum 50 Checking

$100.00 Opening Balance
Unlimited Check Writing
Interest Paid on all Balances
Free Visa Check Card
24 Hour Access to Telephone Banking
Free Direct Deposits
Payment Card & Personal Identity Protection available
$5,000.00 Travel Accidental Death Insurance
Discounts available on Local and National Dining, Travel, Recreation, Hotels and Online Shopping
Emergency Travel Assistance Services
No Monthly Maintenance Fee with $100.00 balance, otherwise $7.00

Platinum 50 Plus Checking
All of the Benefits of the Platinum 50 Checking, PLUS:

Free Platinum Checks
Free Safe Deposit Box for one year (with auto debit)
Free Traveler’s Checks, Money Orders & Cashier’s Checks
Discounts available on Pharmacy, Vision & Hearing Care
$5.00 Monthly Maintenance Fee

BUSINESS & COMMERCIAL ACCOUNTS

Free Business Checking

$100.00 Opening Balance
No Minimum Balance Requirements
Up to 150 Free Items per Month
Free Direct Deposits
24 Hour Access to Telephone Banking

Commercial Checking

$100.00 Opening Balance
No Minimum Balance Requirements
24 Hour Access to Telephone Banking
Perfect for Medium to Large Businesses
Maintenance Fee based on account activity

MONEY MARKET & SAVINGS ACCOUNTS

Premier Money Market

$1,000.00 Opening Balance
Tiered Interest Paid on all Ledger Balances
24 Hour Access to Telephone Banking
Allowed 6 Debits per Month ( only 3 debits may be third party)
No Monthly Maintenance Fee with $1,000.00 balance; otherwise $12.00 monthly

Investor Savings

$100.00 Opening Balance
Interest Paid on all Balances
Allowed 3 pre-authorized debits each Month ($5.00 fee per item for excess of 3 withdrawals a month)

Premier Savings

$100.00 Opening Balance
Interest Paid on all Balances
Allowed 3 pre-authorized debits each Month ($5.00 fee per item for excess of 3 withdrawals a month)
No Monthly Maintenance Fee with $2,500.00 balance; otherwise $15.00 monthly

Regular Savings

$100.00 Opening Balance
Interest Paid on all Balances
Allowed 3 pre-authorized debits each Quarter ($2.00 fee per item for excess of 3 withdrawals a quarter)
No Monthly Maintenance Fee with $100.00 balance; otherwise $15.00 monthly

Minor Savings

$50.00 Opening Balance
Interest Paid on all Balances
Allowed 3 pre-authorized debits each Quarter ($2.00 fee per item for excess of 3 withdrawals a quarter)
No Monthly Maintenance Fee with $50.00 balance; otherwise $15.00 monthly

Christmas Club

$5.00 Opening Balance
Interest Paid on all Balances
$5.00 Fee per Debit

CERTIFICATE OF DEPOSITS & IRA'S

91 Day
6 Months
12 Months
18 Months
30 Months
5 Year

Please contact of our Customer Service Specialist at any of our six branches for details and rates on CD’s and IRA’s.







	Checking Accounts Business & Commercial Accounts Money Market & Savings Accounts Certificate of Deposits & IRA's Investment Services Financial Calculators CHECKING ACCOUNTS Platinum Checking $100.00 Opening Balance Unlimited Check Writing Free Platinum Checks No Minimum Balance Requirements Free Visa Check Card Free Safe Deposit Box for one year (with auto debit) Free Traveler’s Checks, Money Orders, and Cashier’s Checks Free Direct Deposits 24 Hour Access to Telephone Banking Payment Card & Personal Identity Protection available Discounts available on Pharmacy, Vision and Hearing Care Discounts available on Local & National Dining, Travel, Hotel, Recreation and Online Shopping Emergency Travel Assistance Services $5,000.00 Travel Accidental Death Insurance $7.00 Monthly Maintenance Fee Free Checking $100.00 Opening Balance No Monthly Maintenance Fee Unlimited Check Writing No Minimum Balance Requirements Free Visa Check Card 24 Hour Access to Telephone Banking Free Direct Deposits Interest Checking Tiered Interest Paid on all Ledger Balances No Monthly Maintenance Fee with $1,000.00 balance; otherwise $12 monthly Unlimited Check Writing Free Visa Check Card 24 Hour Access to Telephone Banking Free Direct Deposits Bonus Benefits Checking Bonus Benefits is available to our Free Checking and Interest Checking customers for a $5.00 Monthly Maintenance Fee. $100.00 Opening Balance Unlimited Check Writing Free Platinum Checks No Minimum Balance Requirements Free Visa Check Card Free Direct Deposits 24 Hour Access to Telephone Banking Payment Card & Personal Identity Protection available Discounts available on Local and National Dining, Travel, Recreation, Hotels and Online Shopping Emergency Travel Assistance Services $5,000.00 Travel Accidental Death Insurance $5.00 Monthly Maintenance Fee Platinum 50 Checking $100.00 Opening Balance Unlimited Check Writing Interest Paid on all Balances Free Visa Check Card 24 Hour Access to Telephone Banking Free Direct Deposits Payment Card & Personal Identity Protection available $5,000.00 Travel Accidental Death Insurance Discounts available on Local and National Dining, Travel, Recreation, Hotels and Online Shopping Emergency Travel Assistance Services No Monthly Maintenance Fee with $100.00 balance, otherwise $7.00 Platinum 50 Plus Checking All of the Benefits of the Platinum 50 Checking, PLUS: Free Platinum Checks Free Safe Deposit Box for one year (with auto debit) Free Traveler’s Checks, Money Orders & Cashier’s Checks Discounts available on Pharmacy, Vision & Hearing Care $5.00 Monthly Maintenance Fee back to top BUSINESS & COMMERCIAL ACCOUNTS Free Business Checking $100.00 Opening Balance No Minimum Balance Requirements Up to 150 Free Items per Month Free Direct Deposits 24 Hour Access to Telephone Banking Commercial Checking $100.00 Opening Balance No Minimum Balance Requirements 24 Hour Access to Telephone Banking Perfect for Medium to Large Businesses Maintenance Fee based on account activity back to top MONEY MARKET & SAVINGS ACCOUNTS Premier Money Market $1,000.00 Opening Balance Tiered Interest Paid on all Ledger Balances 24 Hour Access to Telephone Banking Allowed 6 Debits per Month ( only 3 debits may be third party) No Monthly Maintenance Fee with $1,000.00 balance; otherwise $12.00 monthly Investor Savings $100.00 Opening Balance Interest Paid on all Balances Allowed 3 pre-authorized debits each Month ($5.00 fee per item for excess of 3 withdrawals a month) Premier Savings $100.00 Opening Balance Interest Paid on all Balances Allowed 3 pre-authorized debits each Month ($5.00 fee per item for excess of 3 withdrawals a month) No Monthly Maintenance Fee with $2,500.00 balance; otherwise $15.00 monthly Regular Savings $100.00 Opening Balance Interest Paid on all Balances Allowed 3 pre-authorized debits each Quarter ($2.00 fee per item for excess of 3 withdrawals a quarter) No Monthly Maintenance Fee with $100.00 balance; otherwise $15.00 monthly Minor Savings $50.00 Opening Balance Interest Paid on all Balances Allowed 3 pre-authorized debits each Quarter ($2.00 fee per item for excess of 3 withdrawals a quarter) No Monthly Maintenance Fee with $50.00 balance; otherwise $15.00 monthly Christmas Club $5.00 Opening Balance Interest Paid on all Balances $5.00 Fee per Debit back to top CERTIFICATE OF DEPOSITS & IRA'S 91 Day 6 Months 12 Months 18 Months 30 Months 5 Year Please contact of our Customer Service Specialist at any of our six branches for details and rates on CD’s and IRA’s. back to top	.











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