News 

F&M is proudly issuing Chip Debit Cards

Over 31 million people were victims of card fraud in 2014 and there is a new victim every 2 seconds.  That is why Farmers & Merchants State Bank is committed to maintaining a high level of security for its customers and is proudly issuing the new more secure  Chip Debit Cards.  There are many security benefits of our Chip Debit Card: 

  • chip cards are not as easily duplicated by criminals
  • chip cards can reduce crime at the point-of-sale
  • chip cards can reduce the risk of identity theft 

Closed Memorial Day = May 30th

All locations will be closed in observance of Memorial Day.  Please drive safely.

Heritage Club Picnic = June 7th

Join us for our annual picnic on Tuesday, June 7th, at the North Shelter in the Winterset City Park.  The Madison County Cattlemen will cook for us and we will eat at Noon.  Reservations are required.  Please join us.