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Lakeland • Nashville • Homerville • Valdosta • Conyers

Personal Checking

 

Let us handle your personal checking needs with one of our convenient personal checking accounts! We offer the following types of accounts to suit every budget and need. See one of your friendly Customer Service Representatives today for more information!

 

Regular DDA

  • Minimum Balance to Open - $100.00
  • Minimum Balance Fee of $7.00 will be charged if the daily balance falls below $500.00 any day of the statement cycle.
  • A Debit Item Charge of $0.20 will be imposed for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) if the balance in the account falls below $500.00 any day of the statement cycle.
  • Use our GO ANYWHERE Debit Card at any Bank's ATM, four times per month*, FREE of charge.
  • Check printing fees may vary depending on style and quantity of checks being ordered.
  • A $2.00 service charge will be imposed to close the account if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

Student/Military Advantage Account

 

 

  • Minimum balance to open - $10.00
  • A maintenance fee of $2.00 will be imposed every statement cycle if the account is not registered to receive the monthly statement by E-statement (electronic statement).
  • Use our GO ANYWHERE Debit Card at any bank's ATM, four times per month*, FREE of charge.
  • Unlimited check writing - check printing fee may vary depending on style and quantity of checks being ordered.
  • A $2.00 service charge will be imposed to close the account if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

 

Club Checking

  • Minimum Balance to Open - $100.00
  • No Minimum Balance Fee or debit item charges.
  • Free Accidental Death Benefits (see insurance policy for details).
  • Free Designated wallet-style checks.
  • Use our GO ANYWHERE Debit Card at any Bank's ATM, four times per month*, FREE of charge.                                                      
  • Individual Club - $8.00 per month service charge.
  • Joint Club - $10.00 per month service charge.
  • Family Club - $12.00 per month service charge.
  • Senior/Employee Club (age 60 & up) $2.50 per month service charge.  
  • A $2.00 service charge will be imposed to close the account if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

NOW Account

  • Minimum Balance to Open - $1,000.00
  • Minimum Balance Fee of $7.00 will be charged if the daily balance falls below $1,000.00 any day of the statement cycle.
  • Maintain a minimum balance of $1,000.00 in the account each day to obtain annual percentage yield.
  • A Debit Item Charge of $0.20 will be imposed for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) if the balance in the account falls below $1,000.00 any day of the statement cycle.
  • At our discretion, the interest rate and annual percentage yield may change at any time -please contact us for available rates.
  • Interest on your account will be compounded monthly and credited to your account monthly.
  • Use our GO ANYWHERE Debit Card at any bank's ATM, four times per month*, FREE of charge.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
  • Check printing fee may vary depending on style and quantity of checks being ordered.
  • A $2.00 service charge will be imposed to close the account if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.
  • This account is for personal use only, businesses do not qualify for NOW accounts.

 

 

Advantage Account

 

 

  • Minimum balance to open $50.00
  • A maintenance fee of $5.00 will be imposed every statement cycle if the daily balance falls below $100.00 any day of the cycle AND if the account is not registered to receive the monthly statement by E-statement (electronic statement)
  • Use our GO ANYWHERE Debit Card at any bank's ATM, four times per month*, FREE of charge
  • Unlimited check writing - check printing fee may vary depending on style and quantity of checks being ordered.
  • A $2.00 service charge will be imposed to close the account if the account is opened less than six (6) months.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

 

 

Money Market Account

  • Minimum Balance to Open - $1,000.00
  • Minimum Balance Fee of $7.00 will be charged if the daily balance falls below $1,000.00 any day of the statement cycle.
  • If your account has been opened less than 6 months and you request it to be closed, there will be a $10.00 service charge.
  • During any calendar month or statement cycle of at least 4 weeks, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic (including data transmissions) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor to third parties.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
  • A debit item charge of $1.00 will be imposed for each debit transaction in excess of 6 per statement cycle.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
  • At our discretion, the interest rate and annual percentage yield may change at any time. Please contact us for current available rates.
  • A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable.

EFFECTIVE OCTOBER 24, 2013: DEBIT CARD INTERNATIONAL USAGE BLOCK: Farmers and Merchants Bank Go Anywhere Debit Cards can be used anywhere MasterCard is accepted within the United States. In the event a customer will be traveling outside of the United States or purchasing items internationally through the WEB or by other means, the customer must notify the bank so that the debit card International block can be temporarily removed.

 

*A month is defined as a customers statement cycle

Contact your local Farmers and Merchants Bank

and let us help you discover which account is best for you and your business!

 
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