Farmers and Mechanics Bank On Basic Checking Account has been certified for the 2025-2026 Bank On National Account Standards
There are 24/7 ATMs available at each of our branches. See our locations.
Farmers and Mechanics is part of two surcharge free networks. ATMs eligible for this benefit can be found using the following locators:
Note that fees may apply at other financial institution ATMs.
Whatever your financial need, we have a checking account that will work for you.
Every new personal checking account includes: FREE Debit Card, FREE Online Banking, FREE Bill Pay, FREE Mobile Banking with Mobile Deposit, FREE eStatements, Buy back of your debit cards and unused checks from another financial institution up to $10 within 30 days of account opening
Competitive information was obtained directly from vendors or their websites during the week of December 5, 2022. Some vendors may have introductory offers or additional ways to waive the monthly service fee. $10,000 Accidental Death and Dismemberment Insurance Coverage is provided at no additional charge. Total coverage splits evenly among all authorized signers as indicated on the account opening signature cards. Insurance products are not deposits, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented within 30 days of account opening.
The privacy policies of this external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal information. We are not responsible for the content on third party websites.
Farmers and Mechanics Federal has over 100 years of lending experience. We can help you purchase your first home, remodel your home to just the way you have always dreamed, or refinance your home to a lender who truly cares about you individually. We will not sell your loan on to another bank, so we can work with you to custom fit your mortgage to meet your needs.
We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.
Learn MoreFarmers and Mechanics offers a variety of savings products to fit your every need.
With your debit card, transactions are deducted from your checking account automatically. Use at any ATM to access your cash.
We can provide you with the information you need for your employer to set up direct deposit into your account.
