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.  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 

 All locations will be closed on Monday, October 10th = Columbus Day

Heritage Club County Park Tour = October 13th

Heritage Club members, join us on Thursday, October 13th, for another Madison County Park Tour.  The Madison County Conservation Board Naturalist will be our tour guide.  We will meet at the Winterset Main Bank at 9:00am for coffee & donuts and depart for the parks at 9:30am. After the tour, we will have a picnic lunch.  There is no fee, but a reservation is required by October 10th.  Hurry, seating is limited.