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We’re Thankful For You

As the year comes to a close, and we reflect on all of the things we are thankful for in our lives, we want you to know that we are thankful for you, our valued customers. Without your trust and loyalty, we wouldn’t be able to do what we love to do every day. We […]

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6 Tips to Avoid Overspending this Holiday

Can you feel it? Fall is in the air. The leaves are turning into gorgeous hues of bright reds and orange. Football, fires, and fall festivals are in full swing!  That means the holidays are right around the corner. Before long, you’ll be making your holiday gift list! It’s easy to go overboard, but this […]

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More than a Bank: Your partner in HSAs.

At Farmers & Merchants Bank, we aim to be more than a bank. We want to be a trusted partner for all your financial needs. Whether it be business or personal checking or savings accounts, mobile or digital products, valued advice, or even saving for health expenses! Did you know that we offer Health Savings […]

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Fair photos and graphics

The Importance of 4H

As summer fair season wraps up, we’d like to reflect on the importance of this special organization. We value all organizations which make our cities and towns stronger as a whole, and 4H has an extra special place in our hearts – mostly because of all it does for our youth. Many of us have […]

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More than a Bank: Your partner in Cyber Security

The digital world we live in today has many conveniences, but it also comes with some inconveniences such as fraud. We are often asked about best practices for protecting against fraud. Here are 6 easy tips to keep in mind to help keep your data secure: Change passwords often. We hear you. It’s annoying to […]

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Home Equity Lines of Credit

According to Lending Tree, the average American has gained approx. $113,000 in equity in their home over the last 3 years! So now might be a great time to consider a home equity line of credit, or HELOC. HELOCs are a great option for home renovations, unexpected expenses, consolidating debt, paying for college and more! […]

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Why Every Business Owner Should Consider Using Positive Pay

As a business owner, protecting your finances and preventing fraudulent activity should be a top priority. One way to do this is by using a banking service called Positive Pay. In this blog, we will explore what Positive Pay is, how it works, and why every business owner should consider using it. What is Positive […]

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Protecting Yourself from Peer-to-Peer (P2P) Fraud

Peer-to-peer (P2P) payment apps and services have become increasingly popular in recent years, providing a convenient way to transfer money between individuals. However, this popularity has also led to a rise in P2P fraud. In this post, we’ll explore what P2P fraud is, how it works, and how you can protect yourself from becoming a […]

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Financial Literacy Month – Importance of Financial Literacy for Youth

We talk about finance a lot in our day-to-day interactions, and we understand the importance of understanding basic finance concepts. But not everyone understands financial literacy and it’s an important part of our jobs to educate as much as possible. April is Financial Literacy Month and we’re outlining some important reasons for teaching our young […]

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More than a bank. Your Partner in Ag.

We understand there is uncertainty in our current ag environment with rising interest rate pressure, higher input costs, high land values, and more.  This year, you might be affected by: • Inflationary Pressure and Rising Interest Rates • Rising Interest Rates = Rising Cost of Money We can help you strategize. Here are some ideas […]

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