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.  

Boogie at the Bank Fundraiser

October 5, 2019 from 9-11am come enjoy Boogie at the Bank with the WHS Dance Team at our Motor Bank location!


School Spirit Checks

Show your spirit with School Spirit checks! F&M will donate a portion of the proceeds from each check order back to your local school. Ask us how you can order your School Spirit checks today!