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.

 Heritage Club Dollars & Donuts = April 16th

Heritage Club members, join us on Tuesday, April 16th, at 9:00m in the Winterset Main Bank community room for a program on "Madison County and World War 1-Battle Front and Home Front".  Linda Smith will present her research on 100 years of Madison County men's involvement and deaths.  Coffee and donuts will be served. Reservations are requested.

 Heritage Club Lunch & Learn = May 7th

Heritage Club members, join us on Tuesday, May 7th, at 11:30am at the  Winterset Main Bank community room for a lunch & learn program on "Elder Abuse and Financial Exploitation".  Peggy Whorton, Elder Rights Specialist at Aging Resources of Central Iowa, will educate you on how to protect yourself.  Lunch will be served.  Reservations are required by May 3rd.  Call 515-462-4242 for reservations.