pen writing a check

Personal Checking

With a variety of accounts, let Merchants & Farmers Bank find the right one for your personal financial needs. Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield.

View our Business Checking Options

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Personal Checking

Account Minimum Balance Service Charge Interest Rate | APY Additional Options
Regular $500
$6.00 monthly service charge if balance falls below $500
Unlimited check writing and Debit Card transactions
Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield Direct Deposit capability

Debit Card (*subject to approval (some fees may apply)
Online Banking
eStatements (must be registered for Online Banking)
Mobile Banking (must be registered for Online Banking)
Online Bill Pay * (some restrictions apply)
Telephone Banking
Senior Citizens $100 62 years of age
Unlimited check writing and Debit Card transactions
No monthly service charge
Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield
Debit Card (*subject to approval (some fees may apply)
Online Banking
eStatements (must be registered for Online Banking)
Mobile Banking (must be registered for Online Banking)
Online Bill Pay * (some restrictions apply)
Telephone Banking
Simple $100 Unlimited Check Writing
Unlimited Debit Card Transactions
No fee for e-Statements (images included)
$3 fee for paper statements (images included)
Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield
Direct Deposit capability
Debit Card (*subject to approval (some fees may apply)
Online Banking
eStatements (must be registered for Online Banking)
Mobile Banking (must be registered for Online Banking)
Online Bill Pay * (some restrictions apply)
Telephone Banking
Interest $1,000
$8.00 monthly service charge if balance falls below $1,000
Unlimited check writing
Unlimited Debit Card transactions
Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield
Direct Deposit capability
Debit Card (*subject to approval (some fees may apply)
Online Banking
eStatements (must be registered for Online Banking)
Mobile Banking (must be registered for Online Banking)
Online Bill Pay * (some restrictions apply)
Telephone Banking
High Yield $2,500 $8.00 monthly service charge if balance falls below $2,500 Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield
Direct Deposit capability
Online Banking
eStatements (must be registered for Online Banking)
Mobile Banking (must be registered for Online Banking)
Telephone Banking
Money Market $10,000 $10.00 monthly service charge if balance falls below $10,000 Contact Us or call Customer Service at (870) 382-4311 for Interest rate and (APY) Annual Percentage Yield
Direct Deposit capability
Online Banking
eStatements (must be registered for Online Banking)
Mobile Banking (must be registered for Online Banking)
Telephone Banking