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Hands Off!

As the world continues to argue over masks and vaccines, we all know that keeping your hands clean and social distancing is still a good approach.  We have all the contactless technology to help you do just that!
* Check account balances, apply for a loan, and more with F&M On-the-Go mobile banking or digital banking.
* Pay your bills online with F&M ePay.
* Deposit your checks from anywhere with mobile deposit.
* Add our debit card to your mobile wallet to pay merchants without touching the terminal.
* Make person-to-person payments with our social payment instant network (SPIN).
Need assistance getting started?  Give us a call.  We’d love to help!

F&M Cyber Tip:Review your bank, credit card, and financial statements regularly to identify unauthorized activity. This is one of the most effective ways to quickly detect if your bank account, credit card, or identity has been compromised.

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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