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.  This card has $1 per month fee.  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 

Customer Appreciation Lunch = September 2nd

Join us for lunch on Friday, September 2nd, at the Winterset Main Bank's location (101 W. Jefferson St.).  We will be serving lunch from 11:00am - 1:00pm outside on North 1st Avenue.  The lunch will be prepared by the Madison County Cattlemen and the Madison County Pork Producers. 


Closed Monday, September 5th

All locations will be closed on Monday, September 5th, in honor of Labor day.  Drive Safe.