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checking accounts
convenience banking
  Mobile Banking and Mobile Deposit  |  Internet Banking  |  ATM/Debit Cards  |  Money Orders  |  Automatic Transfer
Direct Deposit  |  Wire Transfer  |  US Savings Bonds  |  Night Deposit  |  Notary Public  |  Bank by Mail
Safe Deposit Box  |  e-Statements  |  Convenient Cards

Mobile Banking and Mobile Deposit
Farmers & Merchants State Bank is now at your fingertips. Download our app today and you can do the following anytime, anywhere, right from your phone!
  • View account balances and transactions
  • Transfer funds between accounts
  • Deposit checks using your phone's camera
Download it from the Google Play Store or the App Store today. Click Here to Learn More

Internet Banking
Do your banking anytime, anywhere - Can't get to the bank today? Not a problem, now you can check your accounts anytime, day or night, at your convenience. Whether you're a night owl or an early morning person, you can check your balance and transfer funds 24 hours a day, 7 days a week with Farmers and Merchants State Bank Internet Banking.

Getting the most current, up-to-date account information at any time is an all-important necessity these days. Now, you can keep track of all your bank accounts and information, giving you the control you need.
Here are some of the great features of internet banking.
  • Check current balances
  • Transfer Money between accounts
  • View all of your account activity
  • View images of your checks
  • Reconcile your check book without waiting for your monthly statement
  • And so much more!
ATM/Debit Cards
Get your Shazam Debit Card today. With our Shazam photo debit cards, your accounts are more secure. You can use your debit card worldwide, wherever MasterCard is accepted. Use it at the pump, for groceries, the mall, or your favorite stores and restaurants. Need cash? Not a problem, with your Shazam Debit Card you can get cash quick and easily at any ATM worldwide. Your Debit Card is tied directly to your bank account, so no need to carry large amounts of cash or that check book around anymore.

Lost/Theft Notification
Business Hours:  605.583.2234
After Hours:  800.383.8000

Money Orders
A safe and secure way to make purchases or send money through the mail. Money Orders are available during regular business hours only.

Automatic Transfer

Want to start building your savings? Schedule an automatic transfer from one account to another to transfer funds and let the savings begin. Call now to setup your automatic transfer.

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Direct Deposit

No need to run to the bank when you get paid. Having your payroll or social security checks automatically deposited into your account is easy and protects you from having your check lost or stolen. Funds are available for use the same day they are deposited.

Wire Transfer
We offer incoming and outgoing wire transfers. We also initiate and receive foreign wire transfers. Stop in and ask about our wire transfers.

US Savings Bonds
Need to purchase or have an existing savings bond to redeem? Stop in and ask one of our personal account representatives about how to purchase a US Savings Bond through Treasury Direct.

Night Deposit
Can't make it during regular business hours? Not a problem, our night depository is available any time and is located just inside the front doors of the bank.

Notary Public

We have three Notary Publics available to everyone during our business hours for your service.

Bank by Mail
Whether you are out of town or moved to another location, keep your accounts in a safe place where you know a familiar friendly smile. We offer banking by mail to all of our loyal customers.

Safe Deposit Box

A great tool to protect all of your important papers and valuables. Stop in and view the different sizes available.


Tired of searching through your mail for your bank statement? Have your statement electronically generated and available 24/7 on your Internet Banking website. Come visit with one of our personal account representatives about how e-Statements work and get signed up now!

Convenient Cards
Are you looking for that perfect gift idea or maybe going on a vacation and don't want to take cash? Convenient Cards are a perfect solution. Each card is prepaid with a desired amount that can be used anywhere Visa Credit Cards are accepted. Come in and ask about our Convenient Cards.
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