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Digital Banking

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Our online banking platform allows secure and convenient access to your accounts anytime.

  • Access and print information on all accounts, including loans.
  • Review and print transactions.
  • Confirm deposits, withdrawals and checks cleared.
  • Transfer funds between accounts and make loan payments.
  • View deposits and checks cleared.
  • Receive email or text alerts.


F&M ePay

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Pay your bills any time you want—conveniently, safely, and efficiently, without the hassle of writing checks and addressing envelopes.



Do you or a loved one live alone and need some personal assistance to manage your day-to-day affairs?  We offer professional, personalized, and strictly confidential assistance in the privacy of your own home, with matters such as:

  • Balancing your checkbook
  • Paying bills
  • Organizing mail
  • Preparing for completion of your tax return
  • Basic cell phone or computer questions
F&M On-the-Go

With our mobile banking app, you can bank anytime and from anywhere—or even on the way! Check your account balance, deposit checks, transfer funds, or even turn off your debit card for peace of mind and turn it back on only when you need it.  From your mobile phone, search for “bushnellbank” on Google’s Play Store or iTunes, download our app, and contact us for your secure login credentials.

Debit Cards

Our Visa debit card is a convenient way to make day-to-day purchases without the hassle of writing a check or carrying cash.  Your funds are deducted from your available balance immediately, spending money you have deposited, rather than money you are borrowing.

With secure EMV chip technology, you’re protected by an extra layer of fraud protection.  Use your card in person or online, or withdraw cash at an ATM.  Add your card to your mobile wallet for hands-free purchases.

To activate your card or change your PIN after hours, please call (877) 965-3344.

To report a lost or stolen Visa debit card, please call (844) 202-5333.

Credit Cards

With a Mastercard® from Farmers & Merchants State Bank, you’ll get the convenience and flexibility to make purchases on your terms, with free rewards and the power of Mastercard®.

Our Mastercard® offers smarter, more secure, and more efficient payments with EMV chip card technology. With an embedded microchip, you are protected by an extra layer of fraud protection.

We offer a generous rewards program, enabling you to earn one point per dollar spent with no point cap. Reward points are redeemable for cash back, gift cards, travel, merchandise, and more! Visit Farmers & Merchants State Bank in person or online at to apply today!

This card is issued by The Central Trust Bank pursuant to a license by Mastercard International Incorporated. Member FDIC.

ID TheftSmart™

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Every year, more and more Americans are affected by identity theft. That’s why we’re pleased to partner 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.

Safeguarding your identity is easy and affordable with ID TheftSmart. Call or stop by today to find out which plan is right for you.


You don’t have to be a victim of identity theft to benefit from consultation with one of Kroll’s Fraud Investigators. Any active member with a concern about his or her identity has access to Kroll’s consultation and assistance.

When providing consultation regarding your particular concern about a possible identity theft issue, Kroll Investigators go beyond the immediate situation to learn if there are other areas of potential exposure or damage that need to be addressed as well.


Members who are victimized by identity theft benefit from Kroll’s comprehensive restoration services. Restoration includes investigation of emergent and potentially complicated trails of fraudulent activity; making phone calls; issuing fraud alerts; interacting with affected financial institutions; and preparing appropriate documentation. One-on-one counseling and advocacy on behalf of the member not only resolves known issues, but can also proactively identify and resolve previously unknown identity theft events.

Credit Monitoring

This service notifies participating members of activity in their credit file, such as new account openings, credit inquiries, payment delinquencies, public record changes, or change of address, facilitating early detection of potentially fraudulent activity. In addition, consumers have access to trained credit specialists to answer any questions over the phone regarding their report. These credit specialists act on behalf of the consumer and can submit disputes to credit reporting agencies, saving valuable time and frustration.

Credit monitoring can be performed for one credit bureau (Experian) or all three (Experian, TransUnion, Equifax).

idINTEGRITY Scanning

This service regularly searches the Internet for your personal and financial information, providing immediate notification of any suspicious activity. Billions of records, including Internet directories, hacker chat rooms, and public and private databases, are scanned daily for your Social Security number, debit and credit card numbers, postal and e-mail addresses, and phone numbers. Alerts are sent to you immediately in order to stop identity theft before it has a chance to ruin your good name. Licensed investigators are also standing by, ready to help you take action.

Minor Monitoring

Allows parents/guardians to enroll up to four minors under the age of 18 per adult. The service monitors credit header data collected by the three credit bureaus and notifies the parent/guardian when unauthorized names, aliases, or addresses become associated with a monitored child’s Social Security Number.

SPIN (Social Payments Instant Network)

Whether you’re paying a friend for picking up groceries or sending money to your child in college, we’ve made sending person to person (P2P) payments simple, secure and instant.  Available through our mobile app!

Check Ordering

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Ordering checks online from Harland Clarke is as safe and secure as ordering in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

Report a Lost or Stolen Card

Safeguarding your account is a crucial part of our business. To report a lost or stolen Visa debit card, please call (844) 202-5333.

We take pride in our ability to take a proactive approach in helping prevent fraud from happening to you. Learn more about protecting yourself from fraud and scams in our Fraud Education Center.

F&M eStatements

Get your statements via email and the benefits are obvious:

  • Speed – You get your statement on the day it’s available, not several days later, allowing you to reconcile your account sooner.
  • Ease – You will review your statement in ‘portable document format’ (.pdf), which is easy to open on any computer. No more envelopes, and no more misplaced statements.
  • Convenience – You can download, save, print and access your statements anytime you wish. You control your time.
  • Security – Your statement is delivered via a browser-based eMessaging product that protects message content throughout the entire delivery process.
  • Savings – It’s FREE! You’ll keep the ‘green’ in your pocket!
To receive statements via email:
  • Login to your Online Banking account.
  • Click the “Support” tab.
  • Choose “Emailed Statement Delivery Request” under “Choose a form to submit”.
  • Complete the form and submit.

If you’re not an online banker, you can still receive your statements via email. Please call or stop by the main bank during regular business hours to get started.

Or to receive statements within internet banking:
  • Login to your Online Banking account.
  • Click on your checking or savings account.
  • Click the “Statements” tab.
  • Read and accept the Electronic Delivery Agreement, fill in your name & address, and click “Sign Up”.