Use the same card and PIN wherever you go. Simply insert your personal access card, key your PIN number and follow the simple directions that appear on the video screen.
	ATMs give you a fast and convenient way to get cash in town, across the country and around the world.
	They offer access to cash from your deposit or credit card accounts anytime day or night.
	To find an ATM you can use, just match any symbol on your card with any symbol on the ATM.
	To make a transaction, insert your card, enter your PIN (secret code), follow the simple step-by-step systematic instructions, and be sure to take your receipt.
	Know your institution's ATM card and/or usage fees. There is no charge for ATM withdrawals at machines owned by us at either of our locations (Bloomfield or Bloomington) if you are a Farmers and Mechanics Federal customer. Charges will be applied for each ATM withdrawal made at machines we do not own. Balance inquiry charges are $1.00.
	For a listing of Cirrus ATMs worldwide, check the Location Directory; or for a nearby ATM call 1-800-4-CIRRUS in the US and Canada.

Overdraft Protection
Do not be caught short! We can transfer funds from your savings to your checking to cover your overdrawn account. Stop by, fill out an authorization form, and avoid those $25 NSF charges. There is no charge to sign up and you will only be charged an account fee of $9.50 per day for each day overdraft protection is actually used, no matter how many checks are charged against your account that day.

Direct Deposit
Just fill out our easy sign-up form and have your checks directly deposited into your account for government checks. For all other checks, please furnish your payroll department at your work place with the appropriate information regarding your account. Just give us a call if you do not know what information you may need. When you use direct deposit, you no longer have to worry about getting in the door before we close to make your deposit!

Drive-Thru Tellers
No need to come in. Just pull up at our convenient, easy-access window and make your transaction.

Safe Deposit Boxes
Pro-Rated monthly before the 15th of each month

3x 5 =	$15 per year	All boxes are rented on an annual basis.
3x10 =	$30 per year	Due: June 1st - Bloomfield
4x10 =	$40 per year	Jan   1st - Bloomington
5x15 =	$50 per year
10x10 =	$60 per year

Note: Some box sizes may not be available in both offices.

U.S. Treasury Bonds
You do not have to risk everything to get what you want out of life. Savings bonds offer:

Liquidity

Safety Ease of Purchase Tax Advantage Financing Education

Gift Checks
Great to give as gifts! Cash them anywhere you can cash Travelers' Cheques.
Available in $25, $50, or $100 amounts. Charges: $2.50 per check

VisaŽ Gift Card
Need a gift for someone who has everything? Give a prepaid VisaŽ Gift Card. Available in amounts $25-$500.

Money Orders
$2.00 per money order

Visa Card
Stop by and sign up for your card today. Our courteous tellers will be glad to assist you. You can even check your account balance from our new website.

Use your card to purchase goods or services and enjoy special benefits:

	Travel Accident Insurance You are automatically covered by accidental death and dismemberment protection when traveling by any common carrier worldwide.
	Travel Reservations Call toll-free 24-hour reservations on hotel/motel reservations, rental car arrangements, airline, train or cruises.
	Travel Discounts You are guaranteed special savings on auto rental rates at Avis, Hertz, and National.
	Travel Dividends Dividends are yours whenever you use the Travel Reservations service.
	Auto Rental Collision Damage Waiver Insurance Save $8-$12 per day. This automatic coverage is for damage up to $25,000.
	Emergency Airline Ticketing The Reservation Service is available 24 hours a day to assist you in making new travel arrangements to continue your trip.
	Emergency Cash You have emergency cash available, up to $500, if you are stranded without cash.
	Discount Shopping You can shop by phone (toll-free) and save up to 50% off the manufacturers' list prices on brand-name products.
	Cardholder Vantage Point A quarterly newsletter will come to you with your card statement.
	Eye Wear Discounts This program entitles you to savings on most eyewear products.