MARINETTE, WISCONSIN

Product Descriptions

Money Market Certificate - This deposit type is a time certificate of deposit with a maturity of one year or less. The page describes the various conditions applicable to this certificate account.

Investment Certificate - This deposit type is a time certificate of deposit with a maturity of more than one year with a maximum maturity of five years. The page describes the various conditions applicable to this certificate account.

Savings Deposits - This section focuses on the various savings account types offered to our customers. There are four different types, Statement, Passbook, Christmas, and Junior. Each savings account type has a page which describes the various terms and conditions applicable to each account type.

Personal Checking Accounts - This section focuses on the various personal checking accounts the bank offers. There are two interest bearing checking plans, Personal Money Market Plus and Personal NOW. Each interest bearing checking account plan has a page which describes the various terms and conditions applicable to each account type. In addition, there are three different non-interest bearing Personal Checking Account plans offered by the bank. The non-interest checking account plans are named, Value, Regular and Basic. The non-interest bearing checking account plans are outlined on a page which describes the terms and conditions applicable to each account.

Commercial Checking Accounts - This section focuses on the various commercial checking accounts the bank offers. There are two interest bearing checking plans, Commercial Money Market Plus and Commercial NOW. Each interest bearing checking account plan has a page which describes the various terms and conditions applicable to each account type. In addition, a non-interest Commercial Checking Account and a Commercial Small Business 50/50 plan is outlined on the pages which describes the terms and conditions applicable to these accounts.

Horizons Unlimited Senior Club - This page features a banking program available to deposit customers of the bank who are age 50 or older and have at least $2,500 on deposit with our bank.

Overdraft Protection - This page describes an agreement with the bank that would automatically cover an overdraft situation on a Checking or NOW account with a transfer of funds from a Savings or Money Market Plus account.

MasterMoney - This page describes a debit card service available to qualified customers who have a Personal Demand Account with the bank. This is a multiple use card which automatically deducts funds from a demand account when used to purchase an item at any merchant accepting MasterCard and when used to withdraw cash at any automatic teller machine displaying the TYME or CIRRUS logo.

Pulse ATM Card - This page describes a bank issued card program which allows a person to perform simple banking transactions through many automatic teller machines in Wisconsin and the nation at anytime of the day or night.

EZ-Access Telephone Banking - This page describes how we have made banking as easy as picking up your phone. Just use a touch-tone phone anytime, anywhere for EZ Access. It's convenient, confidential, easy to use...and free!

Teller Line - This page lists various banking services and related fees available to patrons at any of our teller windows.

Bookkeeping Department - This page lists various banking services and related fees available to deposit customers by visiting or calling our Bookkeeping Department.

Customer Service Department - This page outlines the various additional banking services and related fees available to patrons who visit or call our Customer Service Department.

Safe Deposit Box Services - This page provides information on the leasing of a safe deposit box from the bank.

United States Treasury Securities - This page provides information on U.S. Treasury security types and on how to obtain U.S. Treasury securities either through our bank or directly with the Federal Reserve.

Trust Services - This page will provide general information on trust administration and estate planning services available through the bank.

Interest Rates - These pages list the various interest rates paid or charged by the bank on deposit accounts and loans respectively. The rate schedule contains the maturity length, the required minimum deposit amount, the interest rate and the annual percentage yield on each deposit product.   It also contains the type of loans, maturity terms, points and/or application fees assessed, and interest rate for many of our loan products.

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Copyright © 1996-2007 Farmers & Merchants Bank & Trust
Last Updated: Monday, December 03, 2007