Personal Deposits

Regular Checking

Minimum balance to open – $100
Mastercard® debit cards with approved application
Unlimited check writing
Free online banking with bill pay and e-statements
Free mobile banking and mobile check deposit
Combined monthly statement
No monthly service charge with average daily balance of at least $100 ($6 fee if average daily balance falls below $100)
No minimum balance requirement for those 65 and older, under the age of 18, Farmers-Merchants Bank of Illinois mortgage loan customers, and for accounts receiving e-statements
Free first box of checks when account is opened
First five ATM surcharge fees per month reimbursed
Checking Plus – overdraft protection line of credit with approved application

Minimum balance to open – $750
No monthly service charge with average daily balance of at least $750 ($6 fee if average daily balance falls below $750)
Account will earn interest if the average daily balance is $750 or greater
Interest will be compounded daily and credited monthly
First five ATM surcharge fees per month reimbursed
Unlimited check writing
Mastercard® debit cards with approved application
Free online banking with bill pay and e-statements
Free mobile banking and mobile check deposit
Combined monthly statement
Free first box of checks when account is opened
Checking Plus – overdraft protection line of credit with approved application

Minimum balance to open – $1,000
No monthly service charge with average daily balance of at least $1,000 ($6 fee if average daily balance falls below $1,000)
Account will earn interest if the average daily balance is $1,000 or greater
Interest will be compounded daily and credited monthly
Interest rate based upon daily balance (see Rates page for current rates)
Free online banking with bill pay and e-statements
Free mobile banking with mobile check deposit
Free first box of checks when account is opened
Combined monthly statement
Allows six withdrawals per month

Minimum balance to open – $100 ($10 if under the age of 18)
No service charge for individuals under 18, customers 65 and older, or accounts with average daily balance of at least $100 ($3 fee if average daily balance falls below $100)
Account will earn interest if the average daily balance is $100 or greater
Interest will be compounded daily and credited quarterly
Free online banking and e-statements
Free mobile banking with mobile check deposit
Combined monthly statement
Allows six withdrawals per month

$250 ($5/week), $500 ($10/week) and $1,000 ($20/week) club accounts
Make 49 consecutive weekly deposits of the club amount and we’ll make the 50th deposit for you!
Free online banking and e-statements
Free mobile banking
Combined monthly statement
Account may be closed if any withdrawal is made before maturity

Minimum balance to open – $1,000
Terms range from 91 days to 60 months
Interest compounds daily
Free online banking
Free mobile banking
Choice to withdraw interest monthly, quarterly, or semi-annually by either check or direct deposit to a Farmers-Merchants Bank of Illinois account
A penalty may be imposed for early withdrawals

Minimum balance to open – $1,000
Terms range from 91 days to 60 months
Interest compounds daily
Choice to withdraw interest monthly, quarterly, or semi-annually by either check or direct deposit to a Farmers-Merchants Bank of Illinois account
No transaction or account setup fees
A penalty may be imposed for early withdrawals with the exception of required minimum distributions