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Christmas Shopping!

Buckle up and hang on, the Christmas season is underway! We all know how fast it goes between shopping and baking and shopping and cleaning and shopping and decorating and shopping and entertaining and...did we say SHOPPING?! Thank goodness for mobile banking. You can check your balance, transfer funds, see what checks have cleared, even turn off your debit card when you don't need it. Get started today!

F&M Tip: Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software. Also, check out our 6 Tips to Avoid Holiday Shopping Scams!

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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