Savings Accounts

Regular Savings offers you an affordable way to start saving for the future w/low minimum balance.

• Statements are printed up every quarter
• $50.00 minimum deposit to open the account.
• A maintenance fee of $5.00 will be imposed every quarter if the balance falls below $50.00 any day of the quarter.
• If you close the account before interest is credited, you will not receive the accrued interest.
• Interest begins to accrue on the business day you deposit non-cash items.
• Call one of our locations to get the current rate being offered. At our discretion, we may change the interest rate on your account at any time.
• Interest is earned even if the minimum daily balance of $50 is not maintained
• Withdrawal made in person, by mail, at the ATM or for Farmers & Merchants State Bank preauthorized loan payments are unlimited. Other preauthorized, automatic, computer, telephone withdrawals and transfers are limited to six per month.

A Tiered rate savings account. The more you save the higher your rate of interest.

• Statements are printed up every month.
• $2,500 minimum deposit to open the account.
• If your daily balance is $100,000 or more, the interest rate will be a higher rate than if the daily balance is $99,999.99 or less.
• A maintenance fee of $10.00 will be imposed every month if the balance falls below $2500.00 any day of the month.
• If you close the account before interest is credited, you will not receive the accrued interest.
• Interest begins to accrue on the business day you deposit non-cash items.
• Call one of our locations to get the current rate being offered. At our discretion, we may change the interest rate on your account at any time.
• Interest is earned even if the minimum daily balance of $2500.00 is not maintained.
• Withdrawal made in person, by mail, at the ATM or for Farmers & Merchants State Bank preauthorized loan payments are unlimited. Other preauthorized, automatic, computer, telephone withdrawals and transfers are limited to six per month.