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.

Christmas Open House Dates

St. Charles = Friday, December 7th 10am -3pm

Orient = Wednesday, December 12th 9am -2pm

Winterset Motor Bank = Friday, December 14th 9am -3pm

Winterset Main Bank = Friday, December 14th 9am -3pm with Christmas flute duets 11am -1pm

Money Tree Saturday with Santa = Dec. 15th

Santa will be at the Winterset Main Bank on Saturday, December 15th, from 9-11am for pictures and Christmas lists.  Bring you cameras!  It's also Money Tree Saturday so you can shop in the toy store too.