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ID TheftSmart: Effective AND Affordable

On the heels of yet another card data breach, this time at a local supermarket chain, we're replacing debit cards for our customers who may have been affected. If you weren't affected, you know it's only a matter of time. WHAT ARE YOU WAITING FOR? Why not take a proactive step toward protecting your identity--BEFORE there's a major problem? With ID TheftSmart, you can let professionals monitor your credit, detect fraudulent activity, and restore your peace of mind in the event you fall victim to identity theft. BONUS: It's one of the least expensive alternatives you'll find!

F&M Security Tip: Always ensure that your mobile OS is updated. Old operating systems on mobile devices could be vulnerable to old security issues. Mobile devices often contain sensitive or confidential information that needs to be secured. If your mobile device asks you to update your operating system, you should do so as soon as possible. You can also go into your mobile device settings and set it to update automatically.

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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