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Better Banking is Customer Convenience and a Personal Touch

It used to be that convenient banking was a drive through lane or an ATM. Then the advent of digital and online services changed banking dramatically. But even with time saving technology and 24-hour accessibility, Farmers and Merchants Bank believes personal relationships are just as important today as they were in the days of teller […]

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Teaching Good Money Habits to Kids

Managing money is one of the most significant life lessons parents can teach their children. Instilling the value of budgeting, saving, and spending wisely sets your child up for future success in handling their finances. Let’s look at some ways to introduce good money habits to children. Basic Banking Opening a child’s first bank account […]

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The Benefits of 4-H to Our Community & Our Youth

It’s 4-H season with county fairs wrapping up or getting underway around the state. Now is a great time to recognize just a few of the valuable benefits of this outstanding 120-year-old organization. Youth Development First and foremost, 4-H is America’s largest youth development organization with an estimated 6 million members. It’s built to cultivate […]

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Four Reasons to Refinance Right Now

As interest rates remain near record lows, the popular refrain is that “it’s time to refinance.” But is it the right decision for you? Let’s look at some of the benefits of refinancing right now. Lower Interest Rate Paying less in interest is always the goal when borrowing money. So the first thing to look […]

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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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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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Home Financing Options with F&M Bank – Part 2

In this month’s installment, let’s talk about steps in prequalifying for a mortgage and touch on some of the most common mortgage types. Prequalification Steps After you have reviewed your finances and have a general idea of how much house you can afford, the next step is to get “prequalified” for a mortgage loan. Getting […]

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Home Financing Options with F&M Bank

Owning a piece of the “American Dream” by buying a new home can be one of the most satisfying things many of us can experience. However, it can be confusing given all of the various terms and types of financing options that are available. Let’s look at a few of these items over the next […]

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Mobile Wallet has arrived at F&M Bank!

Did you know that you can now use your phone or Smart Watch to make purchases with your F&M debit card? You can! Conveniently, safely and securely with a mobile wallet app. What is a mobile wallet app? A mobile wallet or digital wallet is essentially a “virtual wallet” application (app) that stores your debit or payment card information […]

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Handy Car Buying Tips

Thinking about getting a new vehicle? Here are a few tips on how to get a good deal and how to avoid some common financial mishaps along the way. Research, research, research! Arm yourself with knowledge before you hit the dealership. If you have a particular vehicle in mind, there are several internet sites that […]

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woman holding money

Hanging Onto Your Money in 2019

Budgeting your spending to avoid over-spending is a mantra we all hear from the “experts,” but it takes a lot of fiscal discipline to pull off. Don’t despair! Following are a few fairly painless ways to accomplish the same goal: Holding onto your money! Make a List and Stick to it! How many times have […]

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Embrace Online Banking – Here’s Why

The internet is transforming businesses and consumer experiences in new and exciting ways every day and the trend is only going to continue. Banks in particular have embraced this change, and following are some of the benefits F&M Bank offers to support this new age: ATM Access 24/7 It all started with ATM’s that allowed […]

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Easy Money Saving Tips for the New Year

Another year on the horizon and the stock market is in turmoil, so what can you do the shore up your finances during these uncertain times? Here are a few simple tips to help you keep your sanity (and your wallet) from washing away with the tide: Review Your Car Insurance Deductibles. Aside from state-mandated […]

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Keep the Sparkle in your Holidays

Many people know the saying “give until it hurts,” however, the pain of over-spending during the holidays is unfortunately common to most of us. Follow these simple tips to keep the Holidays festive and avoid the shock of “Gifter’s Remorse”: Set a budget and follow it: This is common sense, but it can be hard […]

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