Online Services

Digital Wallet

Are you on the go without access to your debit card? As long as you have your cell phone, you can save your debit card in your digital wallet, hold up your phone to the terminal for payment, and go!

We are excited to offer access to a wide variety of digital wallets, including Apple Pay, Samsung Pay, Google Pay and more! To add your existing F&M debit card to your digital wallet, simply go to the wallet of your choosing, add the card and follow the instructions on your screen.

There are several benefits to using your digital wallet, including:

Increased security – digital wallets use token technology when processing payments, meaning the actual number of your card is never used!
No need to bring your card with you – as long as you have your digital wallet-eligible cell phone and a point-of-sale system that accepts it, you will be able to make payments anywhere you go, without your physical debit card.

If you have any questions, don’t hesitate to stop by or call us at (218) 385-2300.

Bill Pay

Bill Pay brings user-friendly features to online payments, allowing you to pay your bills, people you know, as well as review available e-bills!

Make sure to utilize the Bill Pay Payment Center to easily set-up payees, create one-time or recurring payments, and review recent or pending payments. Our intuitive Add a Company or Person makes it easy to create your next payment. It’s never been easier to pay your utilities, phone, insurance, a person you know, and more. If a company can’t be paid electronically, we’ll mail a check for you. Never miss a payment with our easy to use Bill Pay system.

E-Statements

E-Statements are a safe and secure way to quickly receive your statements via your online banking account!

You’ll be able to see your statements wherever you are with our E-Statement option. Every time a statement is ready for viewing, you will receive an email notification, then simply log in to view, print, or save! Sign-up is easy when you first enroll in online banking, or you can start any time by going to profile and Electronic statements when you’re logged in.

Convenient

Easily access your account statement at home or on the go.

Safe

eStatements are protected with the same bank-grade security you can expect at your branch

Responsible

Less paper mail is better for the environment and your carbon footprint

Sign-up for E-Statements today with Farmers and Merchants State Bank Online Banking!

Notifi Account Alerts

Notifi Account Alerts from Farmers and Merchants State Bank let you know the moment something important happens to your account.

Messages that you choose are sent via email, text, or by push notifications on your smartphone with our Mobile Banking app. You’re able to choose alerts for debit card transactions, low balance warnings, check clearing, deposit clearing, and many more. You’ll receive a message the moment any of your alerts are triggered. It’s that simple!,

Setting up alerts takes moments and it’s free! Sign-up today on our Online Banking platform!

Mobile Deposit

Use Mobile Deposit no matter where you are or what time of day it is!

Mobile Deposit allows you to deposit checks into your Farmers & Merchants State Bank checking or savings account using your smartphone or tablet camera.

Remember to endorse your check and add the words “For Mobile Deposit Only” below your signature. But don’t worry, if a deposit is rejected for any reason, we’ll send you an email to the email address on file with the reason for the rejection.

Step 1

Step 2

Take a picture of your check, front and back.

Step 3

You’re ready to deposit it into your account.

Credit Sense

Staying on top of your credit has never been easier!

Access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your score. You can do this ANYTIME and ANYWHERE for FREE.

Farmers & Merchants State Bank has partnered with SavvyMoney to bring you this FREE credit score program so you can always know what factors impact and influence your credit score.

Easy Enrollment

Financial Wellness

Monitor, track, and understand your credit. Simulate what future credit choices will do your credit score.

Credit Monitoring Alerts

Receive real-time credit monitoring alerts for any significant changes to your credit profile.

Reorder Checks

For your convenience, you can now reorder your checks online!

Simply enter the routing number for our bank (091212726) and enter your account number. Please note you will need to include a 0 at the beginning of your account number when ordering.

If you have not previously ordered checks through us, or if you have any changes to your information, such as address or name changes, please contact us at (218) 385-2300 and we will be happy to help you place your order!

REORDER DELUXE CHECKS