Farmers & Merchants Bank
Brownwood-Early, De Leon, Eastland, &
Stephenville, Texas
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Basic Checking
Terms And Fees

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Minimum Deposit To Open Is $100.00
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$7.50 Minimum Balance Fee If Balance Falls Below $800.00  On Any Day In The Statement Cycle.

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Minimum Balance Fee Will Not Apply To Students Under the Age of 21

Features And Services

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Unlimited Check Writing And Deposits
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ATM Card Or Visa Debit Card (Upon Approval)*
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Monthly Statements Of Activity

* A $2.00 Fee Will Be Charged To Your Account To Issue  An  ATM Card or Upon Approval For The Visa Debit Card.
Regular Checking
Star Account
                                                                                 Terms And Fees

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Minimum Deposit To Open Is $1000.00
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Your Interest Rate And Annual Percentage Yield May Change - We May Change The Rate On Your Account At Any Time
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Interest Will Be Compounded And Credited To Your Account Every Month
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Minimum Balance Required To Obtain The Annual Percentage Yield And Avoid A $10.00 Minimum Balance Fee Is $1000.00
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Interest Begins To Accrue On The Business Day You Deposit Non Cash Items In Your Account (Checks)
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Interest Is Calculated By The Daily Balance Method Which Applies A Daily Periodic Rate To The Balance In The Account Each Day.
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If The Account Is Closed Before Interest Is Paid, You Will Not Receive The Accrued Interest

                                                                               Features And Services

§
ATM Card Or Visa Debit Card (Upon Approval)*
§
Unlimited Check Writing And Deposits
§
Monthly Statements Of Activity

* A $2.00 Fee Will Be Charged To Your Account To Issue  An  ATM Card or Upon Approval For The Visa Debit Card.

Super NOW Account
                                                                                    Terms And Fees

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The Minimum Deposit To Open Is $1000.00
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Your Interest Rate And Annual Percentage Yield May Change - We May Change The Rate On Your Account At Anytime
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Interest Will Be Compounded And Credited To Your Account Every Month
§
Minimum Balance Required To Obtain The Annual Percentage Yield And Avoid A $10.00 Minimum Balance Fee Is $1000.00
§
Interest Begins To Accrue On The Business Day You Deposit Non Cash Items In Your Account (Checks)
§
Interest Is Calculated By The Daily Balance Method Which Applies A Daily Periodic Rate To The Balance In The Account Each Day.
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If The Account Is Closed Before Interest Is Paid, You Will Not Receive The Accrued Interest
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Interest Will Be Credited To This Account Monthly
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Interest Is Compounded Monthly
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The Following Fees And Charges Apply To This Account:
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Transactions Limited to 6 Per Month.  After 6 Transactions, Account is Charged $10.00 Per Item for Excess Debit Fee.
Money Market Account