Covid-19: We are taking steps to ensure a continuation of service, while focusing on the health and safety of our customers and staff.




One of our highest priorities is the health of our staff,

customers, and well-being of the

communities we serve.


Below are several ways you can access your account with

Farmers & Merchants State Bank


1. Online Banking: Access your account by computer or tablet at

2. Mobile Banking: Access your account through your cell phone with our Touch Banking App.

3. Mobile Deposit: You can deposit checks remotely with our Touch Banking App.

4.Call the bank: You can speak with a representative Monday-Saturday

5. Drive-thru:Hours and locations are listed under the About us tab.

6. ATM's receive cash or make a deposit. Available 24/7.

7. Use your Debit Card

8. Night Drop: Deposit day or night at all locations


 Off to school? Take us with you!

With F&M Mobile and Online Banking you have all the convenience of banking at your fingertips! Manage your accounts wherever you are securely and conveniently!

24/7 Account Access, Deposit Checks. Transfer Funds, View Transaction History, Pay Bills, and Check Balances all from your phone or computer.

Our Mobile App makes it easy to manage your money anytime, anywhere.

For assistance please call 515-462-4242

Ask us how you can show your SCHOOL SPIRIT with F&M School Spirit Checks!

F&M will donate a portion of the proceeds from each check order back to your local school!

Choose from:

Winterset Huskies

I-35 Roadrunners

Orient- Macksburg Bulldogs