Bank customers are not liable for any fraud costs associated with a retailer breach. Banks pick up the tab, and less than half of banks receive any reimbursement for breaches that are not their fault. Banks pick up the vast majority of costs associated with making customers whole after a breach, in addition to the hundreds of millions of dollars they spend preventing cybercrime. Find out more.


F&M Tip:  Create smart and strong passwords, and change your passwords on a regular basis, as a good practice to help prevent unauthorized access. See more info regarding passwords.

Deposit Accounts

We offer a variety of accounts to make it possible to bank YOUR way. From basic checking to money markets and CDs earning competitive interest rates, the choice is yours.

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Loan Products

At Farmers and Merchants State Bank, we understand your needs. We can help with flexible terms that fit your budget. Competitive rates and prompt answers make us the first choice for loans in West Central Illinois.

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Trusts & Investments

With a full service trust department established in 1959, we can provide the professional advice you're looking for. Plan for your future with a wide array of options to meet your needs.

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