FRAUD ALERT
If you receive a call from someone claiming to be from the Fraud Department and asking for personal or account information, please hang up immediately. We have been notified that fraudulent calls appear to be coming from our phone number. Farmers & Merchants Bank will NEVER call you and ask for your account number, debit card number, PIN, or online banking information. If you are unsure about a call, hang up and call the bank directly using the number you know and trust. Please share this message to help protect others.
Thanks.
Personal Checking Accounts
Whether you’re looking for basic checking or added perks, Farmers & Merchant Bank has a personal checking account to meet your needs.
Why Choose Our Checking Account?
No Monthly Maintenance Fees
Manage your money without extra costs.
Low Opening Balance
Minimum $100 opening deposit to start.
Our Checking Options:
WATCH Your Savings GROW…
5.00% APY* Elite Cash
Enjoy convenience, great monthly rewards, and the opportunity to GROW your savings with an Elite Cash Account.
Monthly Rewards:
Monthly Reward Qualifications:
**APY = Annual Percentage Yield. Rates subject to change. If reward qualifications are not met during statement cycle, earn a .05% APY interest rate on balance. Start earning rewards again during the next statement cycle that qualifications are met. $100 minimum opening deposit. Enrollments must be in place and qualifications met before the monthly statement cycles. Contact a bank service representative for additional information, details, restrictions, processing limitations and certain instructions.
Total Banking
Relationship Accounts Include:
Regular Checking
A simple, no-hassle checking account that puts the essentials at your fingertips:
Interest Checking
Online & Mobile Banking Features
Access your checking account 24/7 with:
Personal Money Market & Savings Accounts
Money Market Account
Savings Account
Health Savings Account
Current rates available upon request.
Other Products & Services Available
Special Banking Services
Certificates of Deposit (CDs)
Save Deposit Boxes
Cost ranges from $14 to $50 annually.
Various sizes available. *Not FDIC insured
Surcharge – Free ATMS
Fees & Charges
We keep our fees transparent and straightforward.
Some examples include:
Check our full schedule of fees for details.
Debit Cards
Most checkbooks can only do one thing: checking. Our Visa® Debit Card provides a faster, more economical, and more convenient way to purchase the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or any other item wherever Visa® is accepted. It’s the checking and withdrawing funds card all in one. Plus, for added convenience, our debit cards can be easily added to your digital wallet, including Google Pay and Apple Pay, so you can make secure purchases right from your smartphone or other compatible device.
When you receive your Visa® Debit Card, you’ll choose a personal identification number (PIN). Your personal identification number (PIN) and the EMV Chip card help provide security against someone making a transaction without your consent. Every month, you’ll receive an account statement that includes the date, location, and amount of every transaction you’ve made. See your Electronic Funds Transfer disclosure for more details.
DEBIT CARD FRAUD DEPARTMENT
Our fraud department monitors 24/7 and may TEXT or use an automated system, but will never ask for card information. If they text you, please reply. (Please make sure Farmers & Merchants Bank has your current cell phone number.)
If they call, they may leave a toll-free number and a case number for the customer to call and verify the transaction(s). They may request some identifying information to confirm that they are speaking with the cardholder and not someone else.
If you have questions or concerns, please call Farmers & Merchants Bank.
Getting Started Is Easy
1
Open Your Account Online
Apply in minutes using our secure form.
2
Visit Any Branch
Stop by any of our locations to open in person.
3
Contact Us
Have questions? Call or chat with one of our team members.
Branch Locations & Hours
With multiple convenient locations, we’re always nearby:
Downtown Colby
Dillons Shopping Center, Colby
Burlington
Cheyenne Wells
Bennett
Why Bank With Us?
Community Focused
As a local bank, we’re committed to the well-being of each customer.
Transparent
No hidden fees, clear account terms
Supportive Service
Our dedicated team is here to help with both in-branch and online support.
Ready to Open an Account?
