Our website requires some cookies to function properly. We do not use cookies for advertisements or tracking purposes. Learn MoreAccept

Regular Checking


  • A low cost account that provides easy access to your money.


  • Minimum balance to open $20.00.
  • Minimum balance to avoid imposition of fees is $200.00.


  • No monthly service charge for customers 55 and over. You need to notify us to have this feature activated.


  • No service charge will be assessed if a minimum balance of $200.00 is maintained for every day of the statement cycle. If the minimum balance falls below $200.00 a $3.00 Base Service charge fee will be imposed for that statement cycle.
  • If the minimum monthly balance falls below $200.00 a per check fee of $.15 will be charged for each check paid (excluding electronic funds transfers, automated loan payments and pre-authorized debits).
Copyright © Farmers and Merchants State Bank of Alpha. All rights reserved. Member FDIC. Equal Housing Lender