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/Mastercard 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/Mastercard 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.

  • $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/Mastercard 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 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/Mastercard 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/Mastercard 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/Mastercard 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/Mastercard 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.

Download the M&F Banking App

Banking made easy for our customers on the go!

Download the M&F Banking App

Banking made easy for our customers on the go!

Download the M&F Banking App

Banking made easy for our customers on the go!

We don't think of them as loans. They're investments in you.

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