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Committed to Our Customers Since 1899.

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Checking Accounts :: There is one just for you!

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:

TOTAL Checking Account

  • $ 200.00 Minimum Opening Deposit 
  • $5 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.

Regular Checking Account

  • $200.00 Minimum Opening Deposit 
  • Monthly Service Charge of $8.00 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.

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 
  • $8.00 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

  • $500.00 Minimum Opening Deposit 
  • Monthly Service Charge of $7.00 
  • $.10 per debit item 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.

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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