Skip to Content
Farmers & Merchants Bank & Trust
  • 1-800-789-6617
  • Contact Us
  • Locations & Hours
Facebook Icon Menu
  • Home
  • Business
    • Commercial Loans
    • Business Checking Accounts
    • Savings & Money Market Accounts
    • eBanking
    • Business Credit Cards
    • Deposit Rates
  • Personal
    • eBanking
    • Checking Accounts
    • Savings & Money Market Accounts
    • CDs and IRAs
    • Deposit Rates
    • Fraud & Identity Theft
    • Galaxies Unlimited Kids Club
    • Horizons Unlimited Senior Club
    • Personal Credit Cards
  • Trust
    • Trust Services
  • Lending
    • Commercial Loans
    • Mortgage Loans
    • Consumer Loans
    • Personal Credit Cards
    • Business Credit Cards
    • NMLSR Numbers
  • About Us
    • Mission and History
    • Meet the FMBT Team
    • Careers
    • Security & Privacy
    • Hi-Q
    • Locations & Hours
  • Blog
Online Banking

Checking Accounts

Home Personal Checking Accounts
  • Aa
  • Aa
  • Aa

Set the Right Financial Foundation

Your checking account may be the most important financial tool you use. That’s why it pays to ensure you have an account that matches your lifestyle and how you manage your money.

We offer a variety of accounts, each with their own special benefits.

Compare Interest-Bearing Accounts
Compare Standard Checking Accounts

 

Interest-Bearing Accounts

These checking options come with competitive interest rates to help your money grow.
 

Personal

  • eBanking
  • Checking Accounts
  • Savings & Money Market Accounts
  • CDs and IRAs
  • Deposit Rates
  • Fraud & Identity Theft
  • Galaxies Unlimited Kids Club
  • Horizons Unlimited Senior Club
  • Personal Credit Cards

 

Interest-Bearing Accounts

 

Direct Checking

Regular NOW Account

The ideal account for…

Those who have direct deposit.

Those who have a higher balance and want to earn interest while still having easy access.

Special benefits

  • Earn a great interest rate
  • No monthly maintenance fee
  • No per check fee
  • Utilize Online Banking, Mobile Banking, Bill Pay and eStatements to manage your account
  • Debit Card or ATM card available
  • Overdraft Protection available
  • Earn a great interest rate
  • Utilize Online Banking, Mobile Banking, Bill Pay and eStatements to manage your account
  • Debit Card or ATM card available
  • Overdraft Protection available

Requirements & fees

  • $5 minimum balance to open
  • Direct deposit is required
  • $100 minimum balance to open
  • $750 minimum balance to avoid maintenance AND per check fees
  • $5 monthly maintenance fee if minimum balance requirement not maintained
  • $0.15 per check fee if minimum balance requirement is not maintained

How to get started

Contact a Relationship Banker or stop by one of our branches

A detailed account disclosure is available upon request.

 

Standard Checking Accounts

These accounts have everything you need: low costs, simple guidelines and access to all of our personal eBanking services to help you manage your accounts on your terms.

Standard Checking Accounts

 

Basic Checking

Regular Checking

The ideal account for…

Those who want a low-cost account with eBanking tools included.

 Those wanting a straightforward account with eBanking tools included.

Special benefits

  • Utilize Online Banking, Mobile Banking, Bill Pay and eStatements to manage your account
  • Debit Card or ATM card available
  • Overdraft Protection available
  • Utilize Online Banking, Mobile Banking, Bill Pay and eStatements to manage your account
  • Debit Card or ATM card available
  • Overdraft Protection available

Requirements & fees

  • $25 minimum balance to open
  • $2 monthly maintenance fee
  • 10 free checks per month; $0.50 for each check thereafter

 

  • $100 minimum balance to open
  • $250 minimum balance to avoid monthly maintenance fee and per-check fee
  • $2.00 monthly maintenance fee
  • $0.15 per check fee

How to get started

Contact a Relationship Banker or stop by one of our branches

A detailed account disclosure is available upon request.

 

Checking Accounts

Explore common features of checking accounts and how they work so you can choose the account that works best for you. Compare common payment options such as electronic checks, credit cards, and debit cards.

Checking Accounts Image
Learn More

Overdrafts

Learn about the implications of overdrawing your account and how posting order and transaction type impact your available balance. Explore different methods for managing your account to avoid overdraft penalties.

Overdrafts Image
Learn More

Budgeting Tool

Budgeting can be easy with this simple tool to help you track income and expenses. Better understand your financial habits and start working towards your financial goals!

Budgeting Tool Image
Learn More
  • Personal
  • Business

Online Banking

Enroll Forgot Password?

Online Banking

Forgot password or PIN?
  • Deposit Rates
  • Order Checks
  • Financial Education Center
  • Contact Us

Popular Visited Pages

  • eBanking for Individuals and Families
  • Meet the FMBT Team
  • Locations & Hours
  • Contact Us
  • Your Hub for Hi-Q
  • Checking Accounts
  • Deposit Rates
  • Email Disclaimer
  • Mortgage & Home Loans
  • Careers at FMBT
  • Our Mission and History
  • Security & Privacy
  • Business Checking Accounts
  • Commercial Loans
  • Calculators

Contact Information

Ludington:  (715) 735-6617

Roosevelt:  (715) 732-4411

Crivitz:  (715) 854-7445

EZ Access Banking:  (877) 735-4228

Lost/Stolen Card?:  (833) 613-0441

Routing #:  075901037 *

* Not to be used for wire transfers. Please call us for wire instructions.

© 2021 Farmers & Merchants Bank & Trust. All rights reserved.
Privacy Policy | Terms of Use | USA Patriot Act | Website Accessibility Notice | Sitemap
Financial site created and powered by VGM Forbin.

  • FDIC Logo
  • Equal Housing Logo
Back to Top
Close
  • Home
  • Business
    • Commercial Loans
    • Business Checking Accounts
    • Savings & Money Market Accounts
    • eBanking
    • Business Credit Cards
    • Deposit Rates
    • Back
  • Personal
    • eBanking
    • Checking Accounts
    • Savings & Money Market Accounts
    • CDs and IRAs
    • Deposit Rates
    • Fraud & Identity Theft
    • Galaxies Unlimited Kids Club
    • Horizons Unlimited Senior Club
    • Personal Credit Cards
    • Back
  • Trust
    • Trust Services
    • Back
  • Lending
    • Commercial Loans
    • Mortgage Loans
    • Consumer Loans
    • Personal Credit Cards
    • Business Credit Cards
    • NMLSR Numbers
    • Back
  • About Us
    • Mission and History
    • Meet the FMBT Team
    • Careers
    • Security & Privacy
    • Hi-Q
    • Locations & Hours
    • Back
  • Blog
  • Search