FDIC Logo
FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Routing #041207341
Rates Contact Careers investor Locations
Menu Close

YOU WORK HARD TO GROW YOUR BUSINESS.

So do we.
  • HOME
  • BUSINESS AND AGRICULTURE

Open an account that works just as hard as you do.

Business checking accounts. Business loans. Online and mobile banking. Managing your business finances has never been easier.

Small business checking accounts and more options for every stage of growth.

Cash flow, inventory needs, expansions – business loans for your needs, on your terms.

Transfer funds, pay bills, make deposits. Get business done whenever, wherever.

What’s it like banking with us? See for yourself.

"Trusted partners like F&M enable our nonprofit to ensure that no area youth are denied access to the Y’s programs and facilities because of financial limitations.”

Paul Waldsmith, CEO

The YMCA

Thousands of kids struggle with food insecurity each day, but with the help of F&M Bank, Connecting Kids To Meals has been able to increase access to fight against the impacts of hunger so that kids can learn, focus and live healthier lifestyles. “

Wendy Huntley, President

Connecting Kids to Meals

"The look in the eyes of so many as they receive food can be overwhelming and makes me grateful for being able to share in those moments. Those moments are not possible without the support of organizations such as the F&M Bank."

Roy Nevil, Community Engagement Coordinator

Community Harvest

“F&M Bank has been a great bank to work with. I like the fact that their decisions are made locally. They have always given me great rates and their bankers are friendly and professional."

Shawn Fear

Fear Powersports

Ag Loans

Land, feed, seed – financed. By lenders who know agriculture like nobody’s business.

Learn More

The F&M blog

5 Family Activities Under $25 That Everyone Will Enjoy
Succession Planning: Preparing Your Business for the Next Generation
Navigating the Multi-Generational Workforce: A Guide for Today’s Businesses
See All Posts
Farmers & Merchants Bank
Stay Connected
Careers Help Schedule an Appointment Website Accessibility Farm Financial Statement (XLS) Overdraft FAQs & Form Consumer Privacy Notice (PDF) Make a Loan Payment Security Center Terms of Use SEC Documents & Filings Fraud & ID Theft Personal Financial Statement (XLS) Order Checks
NMLS #407535 Routing #041207341

© Farmers & Merchants State Bank. All rights reserved

Member FDIC Equal Housing Lender