Monthly fee
$10
−$120 a year for an everyday customer: fees and interest, $2,000 kept.
Farmers & Merchants Bank of Central California · Checking account
Farmers & Merchants Bank of Central California Ultimate Checking
−$120 a year for an everyday customer. $10 a month. $50 to open.
- A year, everyday customer
- −$120
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · fmbonline.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · fmbonline.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#858of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Check writing
- Debit card
- Free checks
- Interest bearing
- Mobile check deposit
- Overdraft protection transfer
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $10 a monthfmbonline.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- maintaining an average daily balance of $2,500 or morefmbonline.com, checked Nov 8, 2026
- Minimum to open
- $50fmbonline.com, checked Nov 8, 2026
- ATM network
- F&M Bank ATMsfmbonline.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonefmbonline.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $20 a monthfmbonline.com, checked Nov 8, 2026
- Cashier’s check
- Nonefmbonline.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees