Individual Checking
NO FEES
$50 minimum opening balance
Business Checking
Must maintain a $300.00 Minimum Average Monthly Balance or
$1,000.00 Average Balance in Savings, NO FEE
Monthly service charge, $7.00
(if minimum balance requirement is not maintained)
24 Hour ATM
Automated Teller Machines are available at all Merchants & Farmers Bank locations. Use of these machines is at no charge when using your Merchants & Farmers Bank ATM card. You can access your acounts nationwide through the SHAZAM and CIRRUS networks. MasterCard and Visa cash advances are also available.
Transactions (transfers or withdrawals)
not at a Merchants & Farmers Bank ATM, $1.00
Replacement ATM Card, $5.00
Replacement Debit Card, $10.00
Personal Indentification Number (PIN)
Replacement or Change, $2.00
For after hours assistance with lost or stolen cards,
please call Shazam at 1-800-537-5427
For more information, please refer to our brochure
"Information about Electronic Funds Transfers"
24 Hour Telephone Banking
Please contact a customer service representative at
any of our locations for current information or with any
questions you may have.
Free E-Banking and Bill Pay
Click on the E-Banking link to the right for more information.
Interest Bearing Accounts: Regular Savings*
$200.00 minimum opening balance
Must maintain a Minimum Average Quarterly Balance of $200.00, NO FEE
Quarterly Service Charge, $7.00
(if minimum balance requirement is not maintained)
Fee for withdrawal in excess of 12 per quarter, $7.00
The minimum balance fee for savings accounts is waived for qualified account holders. These include primary account holders 60 years of age and older, children under the age of 18, college students, civic organizations and not for profit organizations.
Interest Bearing Accounts: NOW Account*
$1,000.00 Minimum Opening Balance
Must maintain a Minimum Average Daily Balance of $1,000.00, NO FEE
Monthly Service Charge, $10.00
(if minimum balance requirement is not maintained)
Unlimited Check Writing
Interest Bearing Accounts: Money Market Account*
$2,500.00 Minimum Opening Balance
Must maintain a Minimum Average Daily Balance of $2,500.00, NO FEE
Monthly Service Charge, $12.00
(if minimum balance requirement is not maintained)
6 withdrawals per month
Fee for each withdrawal over 6 per month, $15.00
Safe Deposit Boxes
Inquire at each location for annual rental fees and sizes available.
Money Orders
$2.00 Each
Wire Transfer
This service available to Merchants & Farmers Bank customers only.
$15.00 Outgoing
$15.00 Incoming
Notary Service
Notary service provided to customers at no charge.
Check Printing Service
Check printing services are available. Fees may vary with quantity and style.
*Interest rates are subject to change at any time at bank's discretion
