Money Tree Savings Account

Money doesn't grow on trees but it does grow in a children's Money Tree Savings Account! This account is designed to grow with them and is through the age of 12! A minimum deposit of $10.00 is required at account opening. It's never too early to start teaching your kids about money!

Junior Savings Account

Give your little one a BIG future with a Junior Savings Account! This account is for ages 13 to 18. Teach your kids to plan ahead, stay focused on goals, and save for the things they want! Start saving today!

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.  

Notify replacing Account Alerts - Enroll today!

Notify is our new account alert system. If you have previously enrolled in Account Alerts and want to continue receiving notifications you must re-enroll through our online banking website (not the mobile app).

Alerts can be created for low balance, high balance, any debit transactions, any check numbers and any deposits posting to your accounts and loan activity.