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Beware of Unsolicited Scams!

Have you been receiving robo-calls, emails or texts message from persons or sources that you don’t know or with whom you have never initiated contact? More than ever, unscrupulous individuals and fraudulent fake companies are targeting consumers with faulty claims of “free-money,” debts being owed, or other scams designed to trick people out of their […]

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Simple tips to stretch your money…

You know what they say about a penny saved, right? Well, pennies don’t go very far these days, but we have some tips that can help save you real dollars. Take a read and see if you can do any of these to stretch your dollars! Being Over-Insured Having insurance is a good idea to […]

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Is it time to refinance your mortgage?

Covid-19 is still wreaking havoc around the world, including in the financial markets. If you are in a position to ride out the storm until sunnier skies arrive, that’s great! On the other hand, now may be a good time to consider refinancing your home to lower your mortgage payments and/or even withdraw some cash. […]

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Supporting Small Business Matters

During the last 8 months, you have likely heard more about supporting small business than you’ve ever heard before. At Farmers & Merchants Bank, we’ve always supported small business. We truly understand the impact they have on communities throughout the country. It’s what our philosophy is all about! Here are 5 reasons to support your […]

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5 FARMERS & MERCHANTS CONTACTLESS BANKING OPTIONS FOR YOU!

While we continue to social distance, we should not have to worry about distancing from our finances. Now more than ever there is a need for contactless banking and we have you covered. Mobile Wallet A mobile wallet is essentially a “virtual wallet” application (app) that stores your debit or payment card information on a […]

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Stimulus Checks 101

If you are like most people in the US who have filed or paid taxes, had previously been employed and/or received retirement benefits, you should be receiving a stimulus check from the US Treasury due to the Covid-19 crisis if you haven’t already. To better understand what this payment represents, let’s briefly explore the government’s […]

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Staying Vigilant in Difficult Times

By now anyone who is reading this blog understands that the world is dealing with a situation unparalleled in recent history – a worldwide pandemic driven by a Coronavirus strain known as Covid 19. In these uncertain times, unsubstantiated fear and panic sometimes leads people to make rash or irrational decisions out of fear which […]

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Keep Your Money Secure!

We hear it practically every day these days …. data breach. Some “entity” has gained access to a merchant’s customer accounts, credit card numbers, social security numbers, etc. To make matters worse, phone scammers are on the rise and are draining many seniors of their nest eggs. What can you do to make sure your […]

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Home Equity Lines of Credit (HELOC’s): The Basics

When it comes to covering your family’s future educational needs, paying unexpected medical bills, or giving your home a much-needed face-lift, one potential source of funds that is often overlooked is the Home Equity Line of Credit (HELOC). Is getting a HELOC, based on utilizing the available equity in your home, a good idea? The […]

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Home Financing Options with F&M Bank – Part 3

In this month’s installment, let’s briefly highlight some of the characteristics of the most common interest rate and mortgage types we touched on last month. They are: Fixed Rate Mortgages Adjustable Rate Mortgages (ARM) Conventional Mortgages Jumbo Mortgages Government Insured Mortgages (FHA, VA, USDA) Interest Rate types in brief: Fixed-Rate Mortgage Loans The most common […]

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