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Serving Johnson County since 1901.

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Checking Accounts

Home Deposit Accounts Checking Accounts

Which Checking Account is Best for Me?

When you trust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why Farmers & Merchants Savings Bank has so many accounts to choose from. We offer Regular Checking, NOW Accounts and Super NOW Accounts. Come by one of our offices today and let our experienced customer service representatives assist you in finding the best account for you.

Free Checking

Description

An account that eliminates the worry of monthly maintenance fees.

Requirements

$100 minimum balance to open

Benefits

  • Duplicate checks are suggested as images are not returned with statement
  • An image of a check can be attained for $1.50 per item

Regular Checking

Description

A traditional checking account for individuals or business owners.

Requirements

$100 minimum balance to open.

Benefits

  • No monthly fees, unlimited debit transactions if you maintain a $300 minimum daily balance. If your balance falls below the minimum any day of the statement cycle, a service charge fee of $3.00 will be imposed, and each debit transaction in excess of 15 will have a per withdrawal fee of $0.25
  • Check images are returned with statement 

 NOW Account

Description

A traditional checking account that pays interest on your balance and provides easy access to your money.

Requirements

$1,000 minimum balance to open

Benefits

  • Interest bearing and unlimited check writing with a daily balance of $1,000 or an average daily balance of $1,500 during a monthly statement cycle
  • Check images are returned with statement

Cost

A service charge fee of $5.00 and a per withdrawal fee of $0.25 will be charged for each debit (withdrawal, check paid, automatic transfer, ATM or payment out of this account) transaction in excess of 15 during a statement cycle if the balance requirements are not met. 

Super Now Account

Description

A tradition checking account that rewards higher balances while providing easy access to your money

Requirements

$2,500 minimum balance to open

Benefits

  • Interest bearing and unlimited check writing with a minimum daily balance of $2,500 or a minimum average daily balance of $4,000 for the monthly statement cycle.
  • Check images are returned with statement

Cost

A service charge fee of $5.00 and a per withdrawal fee of $0.25 will be charged for each debit transaction in excess of 15 during a statement cycle the balance requirements are not met.