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.

Winterset Ragbrai Hours

July 22nd Main Bank- 8:30am-12:00pm

July 23rd Main Bank- 10:00am-3:00pm

July 22nd Motor Bank - Regular hours

July 23rd Motor Bank- 10:00am- 5:00pm

Money Tree Swimming Party = August 11th

Money Tree kids and your families are invited to a FREE swimming party on Sunday, August 11th, at the Winterset Aquatic Center from 6:15-8:15pm.  Admission and treats are on us.  Reservations are required.  Call 515-462-4242.