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Farmers & Merchants Bank

Convenient Services

Me Banking is all about you...and convenience.

Online Banking, Online Bill Pay and Zelle

View your accounts, make transfers, pay bills online and even pay people with Zelle. Plus, with Enhanced Online Security you can rest easy knowing all your information is secure.

Mobile Banking

Get your balance instantly and securely with touch id technology on our Me Banking Mobile App.


Save money and live greener when you get your monthly statements online.

Debit Cards

Control your debit cards through our Me Banking Mobile App. Turn your card off and on, set transaction, location and merchant limits, block certain transactions, receive usage notices and more.

  • No charge instant issue card upon account opening
  • $10 fee for replacement card if lost or damaged

Credit Cards

Visa, Visa Gold and MasterCard 

Get your credit card from the bank you know and trust plus the convenience of our FM credit card mobile app.

Overdraft Privilege

Many of our checking products offer overdraft coverage, based upon qualification. Qualifying accounts receive a $31 fee for every overdrawn check - in addition to the overdraft amount. Each overdraft and any overdraft fee must be paid within 45 days.

AD&D Insurance Coverage

Primary account holders with a personal checking account can sign up to receive up to $2,000 in complimentary Accidental Death & Dismemberment insurance coverage.  Additional insurance coverage options are available for a monthly premium, if selected.  Sign up today to take advantage of this offer.


With this service, there's safety in numbers. Get up to $5,000 in identity theft protection, help kits to restore your identity, coverage for lost wages as a result, access to consumer fraud specialists and valuable online resources, all for only $1.25 per month. Talk to your retail banker at your branch to sign up.

Direct Deposit

Having government and payroll checks directly deposited in your account is not only convenient, it’s the safest way. You can also have automatic drafts set up to pay bills or to automatically deposit in your savings account. Contact your local branch to learn more about signing up for direct deposit and start saving more money this month.

Safe Deposit Boxes

Keep your valuables safe with a Safe Deposit Box*. Size and availability varies by branch location.


Get 24-hour account access by phone! Call 870-672-4222 or 888-672-4222

*Safe deposit box contents are not FDIC insured. They are not deposits or guaranteed by the bank and they are subject to risk including the loss of principle.

We are here.

We work and live here, just like you. Supporting our communities is important. It's that simple.

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