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

Effective Thursday, March 19th, all Farmers & Merchants State Bank locations will have limited access until further notice in an effort to help prevent the spread of COVID-19

Teller transactions will be processed at the drive-up only.

Loan, new account, and safe deposit box services are appointment only. Please limit appointments to essential needs.

To access your accounts, please bank by: phone, ATM, online, mobile banking, mobile deposit, and night drop.

If you have any questions please call 462-4242.

Thank you for your cooperation.



One of our highest priorities is the health of our customers, staff, and the well-being of the communities we serve. Below are several ways you can access your account with Farmers & Merchants State Bank.

1. Online Banking: You can access your account by computer at

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

3. Mobile Deposit: If you have our Touch Banking App. on your smart phone you can deposit a check remotely. Please call 462-4242 if you need assistance.

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

                           Winterset Main Bank: 515-462-4242

                           Winterset Motor Bank: 515-462-1110

                           St. Charles Office: 641-396-2233

                           Orient Office: 641-337-5418

5. Drive-thru: Hours and Locations

                          Winterset Motor Bank: 722 N. John Wayne Drive

                                                               Mon- Fri 7:30-5:00pm

                                                               SAT 7:30- Noon

                         St. Charles Office: 317 E. Main Street St. Charles, IA 50240

                                                              Mon- Fri 8:00-5:00pm   

                                                              SAT 8:00-Noon

                         Orient Office: 114 S. Broad Street Orient, IA 50858

                                                              Mon-Fri 8:00-4:00pm

                                                              SAT 8:00-Noon

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

                           Please continue to check our website and Facebook page for updates.


 Access your accounts 24/7 with mobile and online banking.

With F&M mobile and online banking all the convenience of banking is at your fingertips!

F&M Online Banking allows you to check balances, make account transfers, make payments to our loan accounts, view check images, view statements, pay your bills using Bill Pay Plus.

F&M Mobile Banking allows you to view account balances and recent transaction history, Bill Pay and Bill Pay Plus allow you to pay bills right from your phone, make account transfers, deposit checks, and turn your debit card on and off.

Manage your accounts securely and conveniently from anywhere.

For assistance please call 515-462-4242


 Deposit checks in a snap with Mobile Deposit!

Make deposits a snap with our mobile app! You can securely deposit checks you get right away with just your smartphone or tablet.  It's easy, secure and convenient!

If you need assistance please call 515-462-4242