Personal Banking

Welcome to Personal Banking at Farmers and Merchants Bank. We have checking accounts, savings accounts and Money Market Accounts all tailored to meet your personal needs. We invite you to contact any of our locations to speak with a Banking Officer or Customer Service Representative.

Regulation CC Changes – Applies to Checking Accounts only

Effective July 1, 2020 our Funds Availability policy will be changed to the following:

We are increasing the amount we make available for withdrawal by checks not subject to next day availability from $200 to $225. In addition, the amount available for withdrawal on exception holds for large deposits, new accounts and the amount for determining a repeat overdraft, increases from $5000 to $5,525.

Regulation D Changes – Applies to Savings and Money Market Accounts

On April 24, 2020, the Federal Reserve Board announced interim final rule on Regulation D to delete the six-per-month limit on convenient transfers from the savings and money market accounts. Customers will have unlimited transfers and withdrawals from these accounts.