Add Us to Your Mobile Wallet!

You can now add your F&M Visa debit card to your favorite mobile wallet app and pay for purchases at participating merchants. It's fast, easy, and secure!

Not familiar with a mobile wallet? A mobile wallet is just what it sounds like: a “wallet” that resides on your mobile device rather than in your back pocket. It provides a convenient way to pay for goods and services with your smartphone, smartwatch, or other compatible device.

Start by downloading the mobile app of your choice onto your smartphone or other device. Then, load your F&M Visa debit card into the app. When you want to make a purchase, either:

  • Choose your app and select a card at the checkout screen when you’re shopping online with your smartphone, or
  • Tap your phone to a digital payment-enabled terminal at participating merchants when checking out.

Security concerns? Unlike cash, which can be stolen, and credit cards, which can be copied, the card information you load into a mobile wallet is encrypted. In order to make a payment, you have to unlock your device and also type the pass code or use your fingerprint to unlock the mobile wallet. To reduce your risk of fraudulent charges if your device is lost or stolen, make sure to set a strong pass code and enable fingerprint authentication to unlock your device once you enable a wallet.

F&M Cyber Tip: Never respond to emails asking for personal information. Companies you do business with should never ask for your account information, credit card numbers, or password in an email. If you have any questions about an email you receive that supposedly came from your financial institution or service provider, find their telephone number on their website and call them.

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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