At Farmers & Merchants Bank, we aim to be more than a bank. We want to be a trusted partner for all your financial needs. Whether it be business or personal checking or savings accounts, mobile or digital products, valued advice, or even saving for health expenses! Did you know that we offer Health Savings […]
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As summer fair season wraps up, we’d like to reflect on the importance of this special organization. We value all organizations which make our cities and towns stronger as a whole, and 4H has an extra special place in our hearts – mostly because of all it does for our youth. Many of us have […]
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The digital world we live in today has many conveniences, but it also comes with some inconveniences such as fraud. We are often asked about best practices for protecting against fraud. Here are 6 easy tips to keep in mind to help keep your data secure: Change passwords often. We hear you. It’s annoying to […]
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According to Lending Tree, the average American has gained approx. $113,000 in equity in their home over the last 3 years! So now might be a great time to consider a home equity line of credit, or HELOC. HELOCs are a great option for home renovations, unexpected expenses, consolidating debt, paying for college and more! […]
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As a business owner, protecting your finances and preventing fraudulent activity should be a top priority. One way to do this is by using a banking service called Positive Pay. In this blog, we will explore what Positive Pay is, how it works, and why every business owner should consider using it. What is Positive […]
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Peer-to-peer (P2P) payment apps and services have become increasingly popular in recent years, providing a convenient way to transfer money between individuals. However, this popularity has also led to a rise in P2P fraud. In this post, we’ll explore what P2P fraud is, how it works, and how you can protect yourself from becoming a […]
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We talk about finance a lot in our day-to-day interactions, and we understand the importance of understanding basic finance concepts. But not everyone understands financial literacy and it’s an important part of our jobs to educate as much as possible. April is Financial Literacy Month and we’re outlining some important reasons for teaching our young […]
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We understand there is uncertainty in our current ag environment with rising interest rate pressure, higher input costs, high land values, and more. This year, you might be affected by: • Inflationary Pressure and Rising Interest Rates • Rising Interest Rates = Rising Cost of Money We can help you strategize. Here are some ideas […]
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Late last week and over the weekend, the financial system experienced a couple large bank failures – Silicon Valley Bank (based out of California) and Signature Bank (based out of New York). These situations are ever evolving, and the FDIC and other government entities are acting as quickly and effectively as they can to provide […]
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Ever wonder about the impact community banks have on the actual communities around them? Funny you should ask! We were just thinking about the same thing. Here are 5 ways a community bank positively affects the community it serves! As community bank relationship bankers, we focus on the needs of our customers – including individuals, […]
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