If you enjoy the convenience of Direct Deposit or an Automatic F&M Bank Loan Payment, VIP FREE* Interest Checking is the money making account for you.

• Pays Interest: Your account balance will earn interest while it is in the bank.
• No Monthly Service Charge: It's FREE* Checking.
• Unlimited Check Writing and No Per Check Charge: Two less things to worry about.
• $50 Minimum Opening Balance: It's so easy to get started.
• Click Account Information tab for more details*.

For more information visit any of our convenient locations or call us at (800) 888-1498, M-F 8am-6pm PST. Either way, one of our friendly and knowledgeable Customer Service Representatives will be happy to assist you. For complete account information, please refer to our Customer Agreement & Schedule of Charges which you receive at account opening.

*This account has a $50 minimum balance to open, no monthly service charge and pays interest. There is no limit on check writing and no per check charge. The account requires recurring monthly direct deposits, or automatic debit for a F&M Bank loan payment, otherwise the account may be converted at our discretion to Totally Free Checking, a non-interest bearing account. Free checking refers to no account activity or maintenance fees (i.e. no recurring monthly service charges). Customer purchases checks and checkbook accessories. Personal accounts only. Restrictions may apply. Other fees may apply and may reduce earnings, including fees for use of foreign ATMs and Bill Pay service. For complete account information, please refer to our Customer Agreement & Schedule of Charges which you receive at account opening.

Farmers & Merchants Bank of Central California Member FDIC.