Personal NOW accounts are available to individuals residing in the Wisconsin counties of Marinette and Oconto, and the County of Menominee in Michigan.
Account may be opened with a deposit of $100 or more.
If a minimum balance of $750 is maintained, there is no monthly maintenance fee or per-check fee.
If the minimum balance is not maintained, a monthly maintenance fee of $5.00 and a per-check fee of $0.15 are charged by the bank.
A statement of activities is provided monthly. (Upon request, this statement may also be expanded to show activity on a statement savings account and loan information on a maximum of three (3) loans with monthly amortization terms.)
This is a variable rate account, which means that the interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. To view the current rate, click here.
Interest begins to accrue on the business day you deposit cash or non-cash items (such as checks). Interest does not accrue on amounts withdrawn on the date of withdrawal.
Interest is compounded and paid monthly on the statement cycle date.
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.
Overdraft Protection is available on this account.
A F&M MasterMoney Card or an F&M ATM Card may be linked to this account for use at ATMs and Point-of-Sale merchants.
A complete disclosure, as required under Federal Truth-in-Savings, of the terms and conditions on the Personal NOW account is available upon request.
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Copyright © 1996-2004 Farmers & Merchants Bank & Trust
Last Updated:
Thursday, May 10, 2007
