Farmers & Merchants State Bank | Ohio, Indiana, & Michigan

Important Updates About COVID-19

For the latest information about F&M business operations, government economic impact payments, your Kasasa account or your financial obligations with us, please click here to read our latest updates.

SPRING AUTO LOAN SPECIAL

Competitive, low, fixed-rate auto loans
on new or pre-owned vehicles!

MORTGAGE REFINANCE OPTIONS

Interest rates are at an all-time low.
Act now to see how much you could save!

VIEW & COMPARE RATES

SMART 25 CHECKING ACCOUNT

Jump Start Your Future
Today and Get $100!*

Learn More & Apply Today

BUSINESS MONEY MARKET SAVINGS ACCOUNT

Grow your business savings without giving up access to funds

INVEST FLEXIBLY

3rd Annual F&M Charity Golf Classic
Registration Now Open!

You Can Bank On Us

OPEN AN ACCOUNT ONLINE

Checking and Savings Accounts

APPLY FOR A LOAN ONLINE

Auto, Personal and Home Loans

Mobile Banking

Forget "official" banking hours — get it done on your time, 24/7.

Credit Cards

Whether it's a Mastercard® or Visa® — pick the card that's right for you.

FM Investment Services

Let us manage your financial life so you can live your life.

Serving All of Your Agricultural Needs

AGRICULTURE LOANS

Big Solutions for Your Small Business

TREASURY MANAGEMENT SERVICES