FMB PRODUCTS

• Free Club Checks
• Unlimited check writing
• No service fee for up to 3 cashiers checks and money orders per month
• Interest* paid on balances above $1000
• No minimum balance requirement
• Key ring protection
• Home inventory log
• Safe deposit box log
• Savers club book
• Sojourns Magazine subscription
•  $8.75/mo service fee
• Minimum Opening Balance $200

• Minimum opening balance $200
• Must be 50 years of age
• $10,000 accidental death and dismemberment insurance. $20,000 when traveling on a Scheduled Airline.
• Free Club Checks
• Unlimited check writing
• No service fee for up to 3 cashiers checks and money orders per month
• Interest* paid on balances above $1000
• Key ring protection
• Home inventory log
• Safe deposit box log
• Discount on safe deposit box
• Savers club book
• Sojourns Magazine subscription
•  $6.00/month service fee

• Minimum opening balance $200
• No monthly service fee if minimum balance requirement is maintained
• No per check charge for first 35 checks written per month
• $8.00/month service fee if balance drops below $800, $0.25 charge per check after 35 written per month

• Minimum opening balance $200
•  Age 65 and Over, upon proper notification of birth
• No monthly service fee
• Unlimited check writing
• No minimum balance requirement

• Minimum opening balance $200
• No monthly service fee
• No minimum balance requirement
• No charge for first 20 checks written per month
• $0.25 charge per check after 20 checks written per month if balance falls below $800

• Minimum opening balance $50
• No minimum balance requirement
• $2.50/month service fee, $0.25 per check charge 

• Minimum opening balance $200
• No monthly service fee
• No minimum balance requirement
• Unlimited check writing
• Direct Deposit required to qualify for account

• Minimum opening balance $2500
• Earns current FMB Money Market rate* on tiered balance compounded and paid monthly when a daily collected balance of $2,500 is maintained. No interest earned for the days the collected balance falls below $2500.
• No charge for up to six withdrawals per month; 3 checks, 3 in-house withdrawals.
• No monthly service fee if minimum balance is maintained.
• $8.50 monthly charge if balance falls below $1000, $5 per item charge after six withdrawals/month. Withdrawals from FMB money market accounts to another account or to third parties by pre-authorized automatic or telephone transfer are limited to six per statement cycle. There may be no more than 3 withdrawals or transfers by check, draft, Visa Debit card, or similar order to third parties.

• Minimum opening balance $1500
• Unlimited check writing
• Earns current FMB Now account Rate* on tiered balance compounded and paid monthly when a daily collected balance of $1500 is maintained.
• No monthly service fee if minimum balance stated below is maintained
• $8.50 monthly fee if balance falls below $1000, no interest paid if balance falls below $1500

• Minimum opening balance $1500
• Earns current FMB Now account Rate* on tiered balance compounded and paid monthly when a daily collected balance of $1,500 is maintained
• No monthly service fee if minimum balance stated below is maintained
• Per check fee of $0.25, $8.50 monthly fee if balance falls below $20,000, no interest paid if balance falls below $1,500

• Minimum opening balance $200
• No minimum balance requirement
• Free zip bag
• A credit allowance is made to the account based on the average collected balance less 10% reserve requirements and 3% FDIC and other charges times Farmers and Merchants Bank money market rate of interest which was current on the first banking day of the calendar month.
• No service charge is made to the account during the month unless the credit allowance is insufficient to cover the costs.
• $7.50/month service fee, $0.12 per debit and $0.06 per deposited check, $2.50 per item charge will be assessed on all return items.

• Minimum opening balance $200
• No minimum balance requirement
• No monthly maintenance fee
• No charge for first 200 check transactions; written and deposited checks
• $0.25 fee per debit or deposited check after 200, $2.50 per item charge will be assessed on all return items

• Minimum opening balance $100
• Interest paid if balance is $200 and above
• No quarterly service charge if minimum balance stated below is maintained
• No charge for up to 6 withdrawals per quarter
• $2 per quarter fee if balance falls below $100, $5 per item charge after 6 withdrawals. ACH and ATM transactions are considered withdrawals. $2 per interest period for dormant accounts with a balance of less than $500. A dormant account is one with no activity (deposits) for one year.
• Current FMB Five Star Savings Rate on tiered balance. Call or come by the FMB location nearest you for rates and information.
• Early closing fee of $25 if account is closed within 60 days of opening

• Minimum opening balance $25
• Individual Retirement Account – Current FMB competitive rate on open account.
• 18-month variable

• This is an account you deposit money into to save for future medical expenses, if you have a high deductible medical plan. Other limitations apply.

• Minimum opening balance $1000
• Fixed rate to maturity with automatic renewal
• Terms are: 31 days, 91 days, 182 days, 12 months, 18 months, 24 months, 30 months, 36 months, 48 months, 60 months.
• Substantial penalty for early withdrawal.

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