Welcome to Farmers and Merchants State Bank

Regular Checking
Business Checking
NOW Account
Regular Passbook Savings Account
Money Market Savings
Certificates of Deposit
Individual Retirement Account (IRA)

Note: Please consult a Truth-In-Savings Disclosure and Account Terms and Conditions available at the Bank for complete information and disclosures about each type of account.

REGULAR CHECKING: A full featured checking account designed for individuals’ day-to-day transactions

No minimum balance
No monthly service or transaction charge
Check images returned
Overdraft Protection Line of Credit available
ATM/Debit Card available
24-Hour Telephone Banking
Online Banking and Bill Pay services

BUSINESS CHECKING: A robust checking account designed to handle your ongoing business needs

$500 minimum deposit to open
$500 minimum balance to avoid monthly service charge
Check images returned
ATM/Debit Card available
24-Hour Telephone Banking
Online Banking and Bill Pay services

NOW ACCOUNT: An interest-bearing checking account for individuals or organizations

$1000 minimum deposit to open
Interest compounded and credited monthly
$1000 minimum balance or average daily balance of $1500 to avoid monthly maintenance fee
Overdraft Protection Line of Credit available
ATM/Debit Card available
24-Hour Telephone Banking
Online Banking and Bill Pay services

REGULAR PASSBOOK SAVINGS ACCOUNT: A simple passbook account for modest savers

$100 minimum deposit to open
Interest compounded and credited quarterly
Transaction limitations apply

MONEY MARKET SUPER SAVER ACCOUNT: A robust savings account for more serious savers

$2500 minimum deposit to open
Interest compounded and credited monthly
Transaction limitations apply

CERTIFICATES OF DEPOSIT: Time deposits that give your savings strategy some additional punch

Call or e-mail for competitive rates: 712-485-2245
No short term gimmicks or long term surprises
Choose from 3, 6, 12, 18, 30 and 48 month maturities
Subject to early withdrawal penalties

INDIVIDUAL RETIREMENT ACCOUNT (IRA): A long term savings account to see you through your golden years

Self-directed IRA using a C.D. as its saving vehicle
Choose either Roth or Traditional IRA
Subject to early withdrawal penalties





		Regular Checking Business Checking NOW Account Regular Passbook Savings Account Money Market Savings Certificates of Deposit Individual Retirement Account (IRA) Note: Please consult a Truth-In-Savings Disclosure and Account Terms and Conditions available at the Bank for complete information and disclosures about each type of account. REGULAR CHECKING: A full featured checking account designed for individuals’ day-to-day transactions No minimum balance No monthly service or transaction charge Check images returned Overdraft Protection Line of Credit available ATM/Debit Card available 24-Hour Telephone Banking Online Banking and Bill Pay services BUSINESS CHECKING: A robust checking account designed to handle your ongoing business needs $500 minimum deposit to open $500 minimum balance to avoid monthly service charge Check images returned ATM/Debit Card available 24-Hour Telephone Banking Online Banking and Bill Pay services Back to Top NOW ACCOUNT: An interest-bearing checking account for individuals or organizations $1000 minimum deposit to open Interest compounded and credited monthly $1000 minimum balance or average daily balance of $1500 to avoid monthly maintenance fee Overdraft Protection Line of Credit available ATM/Debit Card available 24-Hour Telephone Banking Online Banking and Bill Pay services REGULAR PASSBOOK SAVINGS ACCOUNT: A simple passbook account for modest savers $100 minimum deposit to open Interest compounded and credited quarterly Transaction limitations apply Back to Top MONEY MARKET SUPER SAVER ACCOUNT: A robust savings account for more serious savers $2500 minimum deposit to open Interest compounded and credited monthly Transaction limitations apply CERTIFICATES OF DEPOSIT: Time deposits that give your savings strategy some additional punch Call or e-mail for competitive rates: 712-485-2245 No short term gimmicks or long term surprises Choose from 3, 6, 12, 18, 30 and 48 month maturities Subject to early withdrawal penalties INDIVIDUAL RETIREMENT ACCOUNT (IRA): A long term savings account to see you through your golden years Self-directed IRA using a C.D. as its saving vehicle Choose either Roth or Traditional IRA Subject to early withdrawal penalties Back to Top










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