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Farmers & Merchants National Bank Website



  • Age 62 and older or be a Student through College
  • $100.00 to open


  • Free 24-hour access to TeleBank
  • Free 24-hour access to Internet Banking
  • MasterCard CheckCard/ATM Card available for a $1.50 maintenance fee per month


  • No monthly charge
  • No per item charge
  • No charge for F&M ATM machine usage. Fees will apply for use at ATM machines not owned by F&M Bank.
Laptop with home on the screen


You need a bigger house, we have you covered with our Mortgage loans.