Check out our new services - Courtesy Pay & Mobile Deposit & CardValet

Farmers & Merchants State Bank is now offering Courtesy Pay; a service that extends your overdraft privileges to cover your ATM and everyday debit card transactions.  If you would like to sign for this service, please contact one of our customer service representatives at 515-462-4242 or

And you can now deposit checks right from your smart phone 24 hours a day, seven days a week with  Mobile Deposit.  For more details, look under our 'services' tab. ~And don't forget to endorse the checks with "F&M Mobile Deposit"~

CardValet lets you manage your debit cards on your own.  You can turn your cards on or off, set your transaction dollar limits, set location area limits, turn on and off certain merchant codes and set alerts.  You can find it on your F&M mobile banking app.

Stroke Detection Plus here Jan. 17th

Stroke Detection Plus will be at the Winterset Main Bank on Thursday, January 17th, from 9am -4pm to perform four life saving screenings.  Reservations are required.  Call 1-877-732-8258 to go to their website


Money Tree Saturday = Jan. 19th

Stop by and see us!  Don't forget to wear your Money Tree shirt for an extra stamp. 

Closed Jan. 21st for Martin Luther King Jr. Day

All locations will be closed on Monday, January 21st, in honor of Martin Luther King Jr. Day.