Checking Accounts

Free Checking

Enjoy unlimited check writing with no monthly service fees. Check safekeeping is required but you can receive two free copies of checks per statement period.

Regular Checking

Enjoy unlimited check writing with no service fees* if you maintain an average ledger statement balance of $400.00 for the month. In addition, you will get copies of your checks in your monthly statement.

*Service Fees: If balance falls below minimum, a $.50 per check paid fee will be assessed.

NOW Account

Earn interest in addition to all the conveniences of a "Regular" checking account. Maintain an average daily ledger statement balance of $1,000.00 for the month to avoid a service fee. Earn even more when you maintain $5,000.00 or more in the account.

HI-FI Checking Account

Earn market rates on this low activity interest-bearing account. Earn even more when you maintain $5,000.00 or more in the account. Interest is accrued daily and credited monthly to enhance your earnings. Service fees and activity charges may apply.

*Service Fees: If balance falls below minimum, a $.50 per check paid fee will be assessed.

Other fees may be charged on your monthly statement.

Farmers & Merchants Union Bank is participating in the FDIC's Transaction Account Guarantee Program. Under the program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. NOW accounts paying a higher rate of interest will not be eligible for the additional coverage under the program. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. On May 20, 2009, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.