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Farmers & Merchants Bank

Online Banking & Bill Pay

Banking the way you like it.

Online Banking

24-hour banking has never been easier. View your accounts, schedule transfers, and set custom alerts all with an easy to use and secure tool.

Looking for a little help? Call the Online Banking Helpline at 479-442-1146.


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Helpful Tools:
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Online Bill Pay + Pay People

Stuffing envelopes and paying postage is optional, thanks to this service that lets you pay all your bills online with the click of a mouse, and at no charge.

We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust. Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money!


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  • Pay bills online
  • Schedule automatic payments for recurring bills or choose an amount each time one is due
  • Express services are available for a fee
  • Send Money to anyone using their phone number or email address
  • Receive notifications when the transaction is complete
  • Receive money from other Zelle users
  • Request funds from someone who owes you money
  • Zelle® doesn't charge a fee to send or receive money - $5.00 transaction minimum.

Transaction limits:

  • Request up to $2,000 per day or up to $5,000 in a rolling 30 day period.
  • Send up to $1,000 per day or up to $3,000 in a rolling 30 day period. 

Click here to learn more about Zelle®. Get started through our mobile app or online banking.

Enhanced Security

This feature helps protect you from identity theft by adding an additional layer of security to the online log in process.

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*Transaction fee(s) applies to Pop Money Service, ¢.50 per payment transaction.

*Online Bill Pay requires users to first be enrolled in our Online Banking service.

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