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Get Tough with ID TheftSmart™

Are you as disgusted with identity theft as we are? That's why we're partnering with Kroll Fraud Solutions, the leading provider of identity theft and fraud investigation services, to offer ID TheftSmart, a comprehensive identity restoration solution. ID TheftSmart offers various options to monitor your credit, detect fraudulent activity, and let licensed investigators restore your peace of mind in the event you fall victim to identity theft. Find out more!

F&M Security Tip: Open your credit card bills and bank statements right away. Check carefully for any unauthorized charges or withdrawals and report them immediately. Call if bills don’t arrive on time. It may mean that someone has changed contact information to hide fraudulent charges.

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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