Farmers and Merchants Bank's Personal Checking account comes with 24 hour, 7 days a week and 365 days a year convenience. The account requires a deposit of $100. The account provides customers a choice of an ATM card or Mastermoney debit card with overdraft protection from the customer savings account or credit card. There is no fee access for FandM bank ATMs and customers are provided with an online personal account management tool with online banking. Bills can be paid electronically using online banking bill pay service. The product is FDIC insured.