Bank On Certified
Farmers and Mechanics' Basic Personal Checking account has been certified for the 2023-2024 Bank On National Account Standards
ATM Locator
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.
Checking
Whatever your financial need, we have a checking account that will work for you.
Savings
Farmers and Mechanics offers a variety of savings products to fit your every need.
Lending
Farmers and Mechanics Federal has over 100 years of experience being a lender who truly cares about you individually.
Debit Card
No need to write a check or handle cash.
Direct Deposit
No need to write a check or handle cash.
Safe-Deposit Boxes
Need a safe place to store valuables? We've got you covered.
Other Services
See the other Personal Banking services we offer.
Checking Accounts
With competitive interest rates, superior service, and up-to-date technological features, our checking accounts provide you with an excellent product for managing your finances.
Basic Checking
- Bank On Certified
- No monthly service charge
- No minimum balance required
- Free debit card
- $10 minimum to open
Checking Plus
- $5 service charge waived with direct deposit or daily balance of $500 or more
- Free debit card
- $250 minimum to open
E-Account
- Tiered interest rate
- $2.50 service charge waived with direct deposit or daily balance of $250 or more
- Free debit card
- Electronic statements
- No withdrawal limit
Community Matters Checking
- $10 donation to chosen charity for each new account opened during the year
- Tiered interest rate
- Free debit card
- $5 service charge waived with direct deposit or daily balance of $500 or more
- $250 minimum to establish account
Savings Accounts
Farmers and Mechanics offers a variety of savings products to fit your every need.
Christmas Club
- No monthly service charge
- Proceeds paid out in October
- No withdrawals
- $1 minimum to open
Statement Savings
- Tiered interest rate
- No withdrawal limit
- $1 minimum to open
Lending
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.
First Mortgage Loans
Farmers and Mechanics Federal offers both fixed and adjustable rate mortgages with terms of up to 30 years for the purchase or refinance of a new or existing home. Our Lenders will work with you to customize a mortgage to fit your financial needs.
Home Equity Loans
A fixed rate and fixed monthly payment second mortgage loan can be funded utilizing the available equity in your home.
Home Equity Line of Credit
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.
Home Construction Loans
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.
Personal Loans
Loans flexible to handle everyday life.
Credit Card Options
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 MoreSafe-Deposit Boxes
- 3x5$15/year
- 3x10$30/year
- 4x10$40/year
- 5x15$50/year
- 10x10$60/year
No need to write a check or handle cash.
With your debit card, transactions are deducted from your checking account automatically. Use at any ATM to access your cash.
Get your check faster.
We can provide you with the information you need for your employer to set up direct deposit into your account.
