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ABA Tips

In light of the recently reported breach of a federal agency’s network, the American Bankers Association reminds bank customers to take an active role in protecting their accounts. Following a massive data breach, a partnership between banks and customers is the most effective way to protect financial data. The ABA has provided these tips to follow in the event of a data breach.

F&M Security Tip: If you have children visiting or staying with family members (such as grandparents), make sure the family members know your rules concerning technology that your kids must follow. Just because your kids leave the house does not mean the rules about what they can do online should change.

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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