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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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