Farmers and Mechanics Bank On Basic Checking Account has been certified for the 2025-2026 Bank On National Account Standards
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.
Farmers and Mechanics offers a variety of savings products to fit your every need.
Farmers and Mechanics Federal has over 100 years of experience being a lender who truly cares about you individually.
No need to write a check or handle cash.
No need to write a check or handle cash.
Need a safe place to store valuables? We've got you covered.
See the other Personal Banking services we offer.
Every new personal checking account includes: FREE Debit Card, FREE Online Banking, FREE Bill Pay, FREE Mobile Banking with Mobile Deposit, FREE eStatements, FREE Thank You Gift, FREE Gifts for referring others, Buy back of your debit cards and unused checks from another financial institution up to $10 within 30 days of account opening
Farmers and Mechanics offers a variety of savings products to fit your every need.
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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.
Farmers and Mechanics Federal offers fixed rate mortgages with varying terms for the purchase or refinance of a new or existing home.
A fixed rate and fixed monthly payment second mortgage loan can be funded utilizing the available equity in your home.
A home equity line of credit is a revolving loan that you may borrow up to a fixed amount. This product offers a flexible repayment schedule suited to your own personal budget.
Our nine month construction loan provides draws as construction progresses and allows you to pay interest only on the outstanding balance monthly. The construction loan is converted to a first mortgage loan upon completion.
Loans flexible to handle everyday life.
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 MoreWith 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.
