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Keep it Secure

Your personal information is a valuable commodity. It’s not only the key to your financial identity, but also to your online identity. Protecting your personal information can help reduce your risk of identity theft. There are four main ways to do it:

  • Know who you share information with.
  • Store and dispose of your personal information securely, especially your Social Security number.
  • Ask questions before deciding to share your personal information.
  • Maintain appropriate security on your computers and other electronic devices.

Visit FTC online to learn more.

F&M Security Tip: Don't underestimate how clever cybercriminals have become. Their tricks are extremely effective at luring users into opening infected files, clicking on malicious links, unwittingly sharing malware with others, and freely divulging sensitive data. They understand how we behave online, and they know exactly what to do to infect us. Knowing the types of tricks and traps they use is the first step to defending yourself online.

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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