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

                                                               M-TH 7:30-5:00pm

                                                               FRI 7:30-6:00pm

                                                               SAT 7:30- Noon

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

                                                              M-TH 8:00-5:00pm

                                                              FRI 8:00-6:00pm

                                                              SAT 8:00-Noon

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

                                                              M-TH 8:00-4:00pm

                                                              FRI 8:00-5:00pm

                                                              SAT 8:00-Noon

6. ATM's receive cash or make a deposit

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.


Leap into spring projects with a Home Equity Line of Credit!

Use your homes equity to maximize your purchasing power for your spring home improvements! Call our loan department today at 462-4381!

Equal Housing Lender


Have you heard about Notifi?

Notifi alerts let you know about account activity the moment it happens with real- time notifications! It is customizable and you can choose what you want to be alerted about and how you receive those alerts! Notifi can send you alerts for low balances, high balances, deposits, checks or withdrawals that post to your account. Notifi can either send emails or text messages to alert you of activity. Receiving real- time alerts on unusual activity can catch potential fraud more quickly!

Sign up for Notifi through your online banking account today!


Check out our 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.