Your Partner For Life!

Products and Services

Internet Banking - www.fandmstbk.comFarmers & Merchants State Bank is your local, hometown community bank and we realize to stay In Touch With You requires access on the World Wide Web. Convenience banking at its best Internet banking provides the ability to do your banking whenever and wherever you choose. Perform transactions, check balances, or receive electronic statements at the touch of a finger.*No Annual Fee*Access Information 24 Hours a DayCREDIT CARDSInvestment Planning* Mutual Funds* Stocks & Bonds* Fixed & Variable AnnuitiesRetirement Planning*IRA & Roth IRA*401(k) & 403(b)*Pension MaximizationEstate Planning* Wealth Planning* Preservation or Liquidity* Income ReplacementInsurance Planning* Life Insurance* Long-Term Care* Disability InsuranceDebit CardsYour Farmers & Merchants State Bank MASTER DEBIT CARD is accepted anywhere you see the MASTER CARD logo! It acts like a check with the convenience of a credit card.* No Annual Fees* Credit Approval Required* No Transaction Fees When You Use Farmers & Merchants State Bank ATMs and ATM Access Machines. For Locations Near You, Visit www.atmaccess.net.* Home Mortgage Loan* First Time Homebuyers Program (WHEDA)* Construction & Lot Loans* Fixed Rate Loans* Flexible Repayment Terms* Adjustable Rate Mortgage Loans (ARMs)* Jumbo Loans* Personal Loans* Car & Truck Loans

About Farmer's & Merchants State Bank

Drive Up Hours:* Monday - Friday 7:30am Thru 6pmCourse Purpose"Helping Customers Meet Their Financial Needs So Well, that We are the Primary Financial Services Provider in the Communities that We Serve."Core Values* Deliver Exceptional Value and Service* Conduct Our Business with Honesty, Respect and Integrity* Support and Communicate with Staff in a Positive Team Environment, So that Each Individual May Produce Quality Service and Results; and Be Enthused to Come to Work Each Day* Be Open to Change* Be a Conscientious Member of the Community