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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