Faster banking? Your smartphone is a smart choice.

That list of things you have to do every day? It's long. The number of hours to get it all done? Not nearly enough. At Farmers & Merchants Bank, we're happy to provide our customers with a helpful time-saving shortcut. Our free Mobile App lets you tap into your accounts from wherever you are and whenever it's convenient - and finish up your financial chores in just a few minutes.
  • Check all of your account balances at once
  • View your most recent transactions
  • Make transfers or loan payments between your accounts
  • Schedule a one-time or recurring bill payment
  • Find branch and ATM locations
  • Download the free mobile app from:

F&M ePay

No more writing checks and stuffing envelopes. Pay your bills quickly with your mobile device.
  • Make one-time payments in a matter of minutes
  • Schedule recurring payments months ahead of time
  • Set up alerts for payment due, payment past due and personal reminders

Text Banking

To get account information quickly, simply text one of our short codes listed below to 454545 and you will receive the information via return text. You can also set up notification messages to be sent out automatically every Friday or when your balance drops to a certain amount.
  • BAL (primary account balance)
  • BAL ALL (all account balances)
  • LAST (last 5 transactions on primary account)
  • BAL CHK (balances of all checking accounts)
  • BAL SAV (balances of all savings accounts)
  • TRANS $ (transfers funds to primary account)
  • STOP (unsubscribe from service)
  • HELP (send info on short codes, how to use)
Man with glasses looking intently at a black laptop.

Protect yourself or your business against identity theft and fraud.

Learning how to spot fraud is the first step. We have a library of info to help you stop cybercrime in its tracks.
A mom and dad with two young kids laughing and playing inside on a couch.

Secure online tools to help you stay on top of your accounts.

With instant 24/7 access to online financial management, we make it easier for you to control your spending, manage your payments, and save more!