You may have heard about a critical vulnerability that has been identified within OpenSSL, called HeartBleed (CVE-2014-0160), which may allow unauthorized access to sensitive online server data, including private encryption keys. Many internet systems use OpenSSL to encrypt communications within applications. An attacker could exploit this vulnerability to obtain sensitive private keys or passwords.

You can rest assured that our internet banking, bill pay, mobile, and other systems were not affected by this vulnerability.

Consumers are advised to be certain they are using precautions to protect themselves by changing passwords frequently, securing confidential information, using industry leading fraud security products on their online devices to detect any viruses, avoiding suspect websites, and ignoring/deleting any emails from unknown entities.

CONSUMER ALERT: The U.S. Federal Bureau of Investigation has warned retailers to expect more attacks on data security. The agency has reportedly reviewed 20 incidents over the past year that were similar to the recent breaches on Target, Neiman Marcus, and Michaels.

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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