deposit services


checking plus
Instant access to any amount from $500 to $5,000
Overdraft protection
Available on all checking accounts
Annual percentage rate of 18%
Simple interest computed on outstanding balance
No monthly fee


ATM checking
Gives you banking convenience almost anywhere you go!
Your VISA® Check Card can be used to obtain cash at ATM locations worldwide.
Your VISA® Check Card can be used for purchases anywhere VISAŽ is accepted.
The ease of a credit card that works like a check!
Low annual fee of $12
The transaction fee at a non-Farmers-Merchants ATM is $.75.
Farmers-Merchants National Bank ATM machines are located at the Hardee's in Paxton and our Piper City Branch.

*The Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.




Photographs by Larry Kanfer Photography, www.kanfer.com