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


 Instant Issue Debit Cards

If you misplace your card, experience fraud or need to replace your debit card for any reason, we will issue you a new one the same day. It's just   another way F&M makes life easier for you!


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