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Four Ways to Use a Home Equity Line of Credit

Home equity is often a homeowner’s most valuable asset. The difference between your mortgage balance and the appraised value of one’s home offers potential access to funds. A portion of a home’s equity can be used to borrow money as a line of credit or home equity loan providing the homeowner an opportunity to fund […]

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Make the Most of Your Household Budget

Getting a clear picture of your household financial situation is always a good strategy. But getting it done can be challenging, particularly in an uncertain economic climate. The best way to manage your money (and hang on to more of it) is by creating and following a budget. It opens your eyes to your cash […]

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It’s Farmer Appreciation Month!

What better time to share some fun facts about our farmer friends? We all know that farmers are the backbone of the Ag industry and without farmers feeding the world, we’d literally starve. We also all know that farmers are some of the hardest workers in the entire world. And we want them to know […]

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Making Deposits on the Run…

As your local community bank, we constantly search for ways to deliver more conveniences and services to our customers. We initiated contactless services to help keep you safe during the COVID-19 pandemic, and as many of you already know, we have embraced online banking and mobile banking. We are now pleased to announce that we […]

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What to Know About Stimulus Payment Scams

As a second round of CARES Act stimulus checks makes its way to eligible Americans in the amount of $600 each, scammers have resurfaced to try to snatch them from unsuspecting and innocent citizens. There are few things to be aware of to ensure you don’t fall victim to these unscrupulous swindlers. The IRS is […]

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woman holding shopping bags walking down city street Christmas shopping

‘Tis the Season to Watch Your Spending!!

The holiday season is finally upon us and with it comes all the usual cheer and stress that the hustle and bustle of shopping for the perfect gifts for friends and loved ones brings. Following are a couple ways to keep your finances in check and get the most ‘bang for your buck’ while you […]

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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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