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Deposit Accounts

Farmers & Miners Bank has an account that fits the needs of every kind of customer. Whether your opening an account for the first time or planning to upgrade your services, Farmers & Miners Bank has the right account to suit your needs.

To open a new deposit account, visit your nearest Farmers & Miners Bank location today.

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Checking Accounts

  • Regular Checking Account
    • $25.00 minimum opening balance
    • No minimum balance after opening
    • Unlimited check writing with no charges
    • Easy-to-balance monthly statement
    • Visa® Debit Cards Available
  • Club Checking Account
    • Added value for a low monthly fee
    • $25.00 minimum opening balance
    • No minimum balance after opening
    • Unlimited check writing with no charges
    • Easy-to-balance monthly statement
    • Visa® Debit Cards Available
    • Added Services include: 3 money orders per month, Notary service and Personalized club checks
  • Now Checking Account
    • Your checking balance earns interest with competitive rates
    • $500.00 minimum opening balance
    • No monthly service charge unless the balance falls below $500
    • Unlimited check writing with no charges
    • Easy-to-balance monthly statement
    • Visa® Debit Cards Available
  • Super Now Checking Account
    • Your checking balance earns interest with competitive rates
    • $2,500 minimum opening balance
    • No monthly service charge unless the balance falls below $2,500
    • Unlimited check writing with no charges
    • Easy-to-balance monthly statement
    • Visa® Debit Cards Available

Savings Accounts

  • Regular Savings Account

    The Regular Savings Account compounds interest daily using the daily balance method to calculate interest on your account. Interest is credited to the account every quarter. A minimum deposit of $25.00 is required to open a savings account.

    You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per statement cycle.

  • Twig Savings Account

    The Twig Savings Account is designed for children up to eighteen (18) years of age.

    Featuring monthly compounded interest using the daily balance method, interest is deposited to the account on a monthly basis. Twig Accounts earn a higher interest rate than a regular savings account on balances up to $500. No minimum deposit is required.

    You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per statement cycle.

  • Christmas Club Account

    Designed to help customers have extra cash on hand at Christmas, this account earns interest at a predetermined rate which is disclosed at the opening of the account. Maturing in October of each year, this account only requires $2.00 to get started!

  • Super Savings (Money Market) Account

    If you are looking for a higher interest rate, this is the account for you. The Super Savings Account features competitive tiered interest rates and no service charges regardless of your balance. You can even write up to six checks per month directly from your Money Market account or connect your VISA® Debit Card to your account. You are also allowed to make unlimited in-person withdrawals. This account requires a minimum opening balance of $2,500.

    You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per statement cycle.

Time Deposit Accounts

  • Individual Retirement Accounts (IRAs)

    Traditional, as well as Roth, IRAs are available. An IRA is a type of trust, a savings plan designed to supplement retirement income from Social Security and pension plans.

    Certain contribution limitations, tax deductibility, tax penalty and distribution issues apply to IRAs.

    • Competitive Rates
    • $500 minimum to open a fixed rate IRA
    • $10 minimum to open a variable rate IRA


    Anyone considering opening an IRA (Traditional or Roth) should consult their tax advisor and IRS Publications.

  • Certificates of Deposit (CDs)

    Certificates of Deposit are generally available from one (1) month to five (5) years.

    • Certificates of Deposit are issued as automatic renewal
    • Customer selects the maturity that best fits their needs
    • Interest rate is locked in for the term


    REQUIREMENTS: Minimum deposit to purchase a Certificate.

    • $500.00 for a year or more
    • $2,500 for less than a year


    SERVICE CHARGES: Early withdrawal penalties may apply.

For more information about FDIC Insurance, please use the FDIC’s Electronic Deposit Insurance Estimator (EDIE)