Online Banking

FOR LOST/STOLEN DEBIT CARDS PLEASE CALL 866-842-5208

Helpful Information

Committed to Our Customers Since 1899.

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

$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.

Senior Citizen Checking Account

Eligibility: Must Be 65 Or Older
$200.00 Minimum Opening Deposit
No Monthly Service Charge
No Per Debit Charge
Detailed Monthly Statement With Check Images
No monthly ATM/Visa Debit Card fee
Free Basic Checks
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.