F&M continues to serve the financial needs of individuals, farmers, businesses, and industries by offering the traditional banking products, as well as online, mobile and telephone banking products. Our online and mobile products allow access to account information and fund transfers 24 hours a day, seven days a week. With the F&M Mobile App and FM eXpress you can access your accounts, check balances, transfer funds, or pay your bills from your smart phone.

Through the years, The Farmers & Merchants State Bank has made it our number one goal to be here for you. That will never change. F&M's commitment is to ensure that community banking continues to grow and prosper by providing quality customer service and effectively supplying the right products to meet the financial needs of individuals, farmers, businesses, and industries within our market area.

At Farmers & Merchants State Bank, we are looking forward not only to the future of F&M, but to the future of our customers as well. F&M has been a stable financial institution for over 120 years and that will not change!