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Checking Accounts

Don’t be overwhelmed by fancy account titles and hidden fees.

At Farmers & Merchants Union Bank we provide upfront account details so you can decide which checking account is right for you — no hidden fees, just honest banking with excellent service.

Open a Checking Account Current Rates 

Open an HSA Checking Account  Reorder Checks

Which Checking Account is right for you?

Personal Checking Comparison
  Simple Checking Interest Checking Money Market Checking Health Savings Checking*
Minimum Average Daily Balance to Earn Interest NA $1,000 $5,000 $500
Minimum Balance Fee N/A $10 fee if average daily balance falls below $1,000 $10 fee if average daily balance falls below $5,000 NA
Monthly Activity Fee $0 $0 excess transaction fee of $5 per debit if more than 10 debits per month $0
Paper Statement Fee without images $5*** $5*** $5*** $5***
Paper Statement Fee with images $10*** $10*** $10*** $10***

Earns Interest

(See Rate Sheet)

X Yes Yes Yes

*We also offer HSA CD options, visit the CDs & IRAs page for more details.
*** Paper statement fee (with or without images) waived with eStatements

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