Personal Banking

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We understand that not all banking needs are alike, so we created accounts that are just as unique as your needs.

We give you several options so you can find the one that best fits your financial lifestyle. Please visit one of our branches today for more information.

Checking Accounts

We're committed to giving you the banking experience we know you deserve. Our checking accounts are designed with you, the customer, in mind. With several personal checking accounts to choose from we are sure you will find one that fits your financial lifestyle.

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Savings Accounts

We want you to prepare for the future with a Farmers & Merchants Bank savings account. Let us help you begin a savings program with automatic transfer from any Farmers & Merchants Bank account. Transfers can occur weekly, biweekly, monthly, or any specific day that you choose.

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Loan Products

We offer competitive rates, short applications and fast approvals.

We offer a variety of consumer, mortgage, and commercial loans tailored to fit a wide range of your personal or business needs.

Our Loan Officers will help you choose the product that is exactly right for you. You'll always receive expert advice and personal service from our loan officers, no matter what product suits your needs.

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Certificates of Deposits

A Certificate of Deposit (CD) at Farmers & Merchants Bank offers a variety of short- and long-term options for investing your money. Build your future with a smart financial plan.

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We offer the same services as big banks, but with our friendly, hometown smiles.

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Farmers & Merchants Bank offers several types of retirement accounts including Traditional, Simplified Employee Plan (SEP), Roth, and Coverdell Education Account for those looking for an educational savings investment. These accounts may be opened with a minimum deposit of $100.00. See us for details.

Please consult with a tax professional to determine which account best serves your personal needs.


Our Health Savings Account (HSA) is an interest-bearing account that allows you to save for medical expenses and/or use funds contributed to the account to pay for qualified medical expenses tax free.

If you are enrolled in a high deductible health plan (HDHP), then you may be eligible for the benefits an HSA provides.  Our HSAs offer no setup fee and no minimum to open (the first contribution opens the account), free debit card access, free online and mobile banking access, interest paid on account balance and monthly statements.