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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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Important Message to our Customers!

Late last week and over the weekend, the financial system experienced a couple large bank failures – Silicon Valley Bank (based out of California) and Signature Bank (based out of New York). These situations are ever evolving, and the FDIC and other government entities are acting as quickly and effectively as they can to provide […]

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Five Ways Community Banking Positively Affects Community

Ever wonder about the impact community banks have on the actual communities around them? Funny you should ask! We were just thinking about the same thing. Here are 5 ways a community bank positively affects the community it serves! As community bank relationship bankers, we focus on the needs of our customers – including individuals, […]

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financial success

Setting Yourself Up for Long Term Financial Success – 5 Tips

Happy New Year, we hope you had a very happy holiday season! With a new year, people often create new resolutions, dreams, and goals. Make this year a great financial year by following a few simple tips for financial success! Make budgeting a top priority in 2023: sit down and create a budget and stick […]

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Banks Never Ask That

Banks Never Ask That!

Can You Spot a Phishing Scam? Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online and mobile banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that […]

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Grandmother hugging grandchild

Serving Different Generations with a Balance of Technology and Human Services

There is no doubt that today’s consumers are smarter and savvier than ever. They expect transparency, quick, accurate service, and convenience. The digital world we live in makes enhanced security and connectivity more important than ever. Yet not every customer wants to bank the same way; we understand that. At Farmers & Merchants, we cater […]

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3 Banking /Finance Related Professions

It’s time for sharpened pencils and sharpened minds. Let’s get back to school! This month, we thought we’d get a jump on the learning season and highlight some of our favorite finance- related professions. Here are just 3 banking/finance related professions which might be worth pursuing if you are really into numbers! 1. Banker. Well, […]

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4-H Season is Upon Us! A Look at this Important Youth Organization

June and July mean warmer temperatures, outdoor activities and numerous county 4-H fairs taking place around our great state. We’d like to take the time to recognize just a few of the valuable benefits of this outstanding 120-year-old organization. Youth Development Did you know that 4-H is America’s largest youth development organization with an estimated […]

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Stock photo of the Business Man with a credit card by rupixen

Tips to Lower or Eliminate Credit Card Debt

If you’re carrying a significant amount of credit card debt, you’re not alone. It is estimated that the average U.S. household has nearly $7,000 in credit card balances. Although it takes time and dedication to reduce the balances or eliminate them altogether, there are steps you can take to get control and eventually free yourself […]

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