Farmers and Merchants Bank provide customers four types of Saving Accounts. These include - Regular Savings Account which is a convenient savings account that customers earn steady compounded interest with complete insured security up to FDIC insurance limits. Customers can choose from a variety of accounts depending on their initial investment and liquidity needs and earns a competitive interest rate. The Individual Retirement Accounts (IRAs) allow tax-deferred income for customer's retirement with either an IRA or a Keogh account based on their needs and goals. The Christmas Club Savings Account helps customers save for the holidays.