Bank Closed for Juneteenth Federal Holiday

FMBT will be closed Thursday, June 19th. We will be open for normal business hours, Friday, June 20th.

Close
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
    • Personal Credit Cards
    • Debit Cards
  • Trust
    • Trust Services
  • Lending
    • Commercial Loans
    • Mortgage Loans
    • Consumer Loans
    • Personal Credit Cards
    • Business Credit Cards
    • NMLSR Numbers
    • HELOC
  • About Us
    • Mission and History
    • Meet the FMBT Team
    • Security & Privacy
    • Hi-Q
      • Advisor Resource Tab
    • Locations & Hours
  • Blog
  • Careers
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
  • Personal Credit Cards
  • Debit 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.

 

  • Personal
  • Business

Online Banking

Enroll Forgot Password?

Online Banking

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

Popular Visited Pages

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

Contact Information

Ludington:  (715) 735-6617

Roosevelt:  (715) 732-4411

Crivitz:  (715) 854-7445

EZ Access Banking:  (877) 735-4228

Lost/Stolen Debit Card?:  (833) 613-0441

Lost/Stolen Credit Card?:  (866) 552-8855

Routing #:  075901037 *

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

© 2025 Farmers & Merchants Bank & Trust. All rights reserved.
Privacy Policy | Mobile Privacy Policy | Terms of Use | USA Patriot Act | Website Accessibility Notice | Sitemap
Financial website created and powered by forbinfi.

  • 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
    • Personal Credit Cards
    • Debit Cards
    • Back
  • Trust
    • Trust Services
    • Back
  • Lending
    • Commercial Loans
    • Mortgage Loans
    • Consumer Loans
    • Personal Credit Cards
    • Business Credit Cards
    • NMLSR Numbers
    • HELOC
    • Back
  • About Us
    • Mission and History
    • Meet the FMBT Team
    • Security & Privacy
    • Hi-Q
      • Advisor Resource Tab
    • Locations & Hours
    • Back
  • Blog
  • Careers
  • Search