Welcome to Farmers & Merchants  State Bank
Winterset, Iowa

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All locations will be closed on Thursday, July 4th. 

Heritage Club Dollars & Donuts:  Join us on Thursday, July 11th, at 9:00am in the Winterset Bank's Community room for a program on safe, healthy travel for seniors.  Bob Oliver, with Legacy Tour and Travel, will be the guest speaker.  Coffee and donuts will be served.  Reservations are requested.

Money Tree Swimming Party: Money Tree kids and their families are invited to the Winterset Aquatic Center in Sunday, July 14th, from 6:15-7:15pm, for free swimming and treats.  Reservations are required. 

Heritage Club Mall of America Shopping Day! Join us on Monday, November 18, 2013, for a day of Christmas shopping at the Mall of America!  We will leave at 6:00am and return @ 9:30pm.  The cost is only $78/person and includes luxury motor coach and driver tip.  Money and reservations are due by October 30th.

Online Banking Safety & Security Tips: Do not respond to emails that warn of consequences unless you validate your information immediately.  Contact the company to confirm the validity of the email.

Notice of expiration of the temporary full FDIC insurance coverage for noninterest-bearing transaction accounts:By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.