Help & FAQ

Our routing number is 061203642.

Please contact us at (866) 923-5362 to get the latest rates.

You can transfer funds between certain Farmers and Merchants Bank accounts and your eligible accounts at another financial institution from Transfers, using our External Account Transfer Service. Fees may apply, and this feature is not available to all Farmers and Merchants Bank customers.

You will need to visit the branch most convenient to you. Deposit accounts cannot be opened online.

Please fill out the Ask about a Loan Inquiry form. We will contact you to complete the process. When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

For questions regarding account information, you can contact the Customer Care Help Desk at 866-923-5362. The Customer Care Help Desk is available to assist you from 8:30 am to 5 pm ET Monday through Friday. Our automated phone service is available 24/7.

Online banking is a web-based service that provides you a safe and convenient way to do your banking. You can bank from anywhere you have Internet access. With Online Banking, you can check balances, transfer funds, view images of deposit slips, posted checks and statements, pay bills, send and receive secure messages, order checks and supplies and much more.

Online Banking is free for all FMB customers. However, you may incur a service fee if you request certain services provided on the Internet banking, for example stop payments and check orders.

Click here to enroll in Online Banking. You will need your FMB account information and Social Security number.

Yes. Our top priority is to ensure the security of your personal and financial information.

You can access Online Banking using your smartphone, tablet or personal computer, as long as your device has Internet access. Online banking will automatically adjust to fit the screen size of any device.

• Google Chrome 36 or Newer
• Mozilla FireFox 32 or Newer
• Apple Safari 32 or Newer
• Opera 12.1 or Newer
• Internet Explorer 9 or Newer (We do not recommend Internet Explorer with this website. If you are using this browser you must make sure that compatibility mode is off)

You can view the following accounts with Internet banking:

• Checking
• Money Market
• Savings
• Line of Credit (LOC)
• Personal Loans
• Certificate of Deposit (CD)
• Non-brokerage Individual Retirement Account (IRA)
• Auto, Business and Consumer Loans

Yes, new accounts will be automatically added to your Internet banking profile. If you do not wish to view the new account or the new account is not showing on Internet banking, please contact Customer Care Help Desk through your Secure Messaging in Internet banking.

Yes, you can download the mobile app by clicking on one of the icons below, or search for “Farmers & Merchants Bank” in the App Store (Apple) or the Play Store (Android).

If you forget your user ID, call the Customer Care Help Desk at 866-923-5362 for assistance.

If you forget your Online Banking password, you can reset it by clicking the Forgot your Password link under the Password field on the logon page. You will need to have your user ID available to reset your password. Please note, your account will be locked after five failed login attempts and you will need to contact the Customer Care Help Desk at 866-923-5362 to have your account unlocked.

If you want to change your password, click Profile under your name on the top right corner, select Change Password under User Profile Menu click Submit.

As a security precaution, it is a good idea to refresh your password once a quarter.

Once you have enrolled and received your Welcome email from Farmers and Merchants Bank you can log in to your account by entering your username and password that you selected during registration.

If you have forgotten your username or password you will need to contact the Customer Care Help Desk at 866-923-5362.

The Message Center is an Online Banking feature that allows you to ask questions and receive information about your Farmers and Merchants Bank account(s). It is available for all Farmers and Merchants Bank account holders that have access to Online banking.

Messages that are sent and received through the Message Center are secure because the messages never leave the Farmers and Merchants Bank servers. The messages are sent and viewed within your Online Banking account, so the only way to send and receive the messages is to log on to Online banking.

Yes, you can transfer funds between certain Farmers and Merchants Bank accounts and your eligible accounts at another financial institution from Transfers, using our External Account Transfer Service. Fees may apply, and this feature is not available to all Farmers and Merchants Bank customers.

Transfers can be scheduled for up to one year in advance.

The funds should be credited to that account within three business days. The transfer cut-off time for external transfer services is 4 pm ET.

You can make transfers to and from a wide range of Farmers and Merchants Bank accounts, but certain restrictions do apply.

For instance, you can transfer to and from:

• Checking
• Savings
• Money Account

For transfers between your Farmers and Merchants Bank accounts, you may transfer up to $99,999.99 daily for an internal transfer in a single transfer, unless you are limited by the account type. You may transfer up to $5,000.00 daily for an external transfer.

Alerts enable anyone with an Online Banking account to receive information on account balances and transactions. Set alerts on the account activities most important to you. You can receive alerts by email or text message. Alerts can be added, modified or deleted anytime by logging in to your Online Banking account.

Real-time alerts are sent to you as soon as the alert is triggered. For example, if you set up an alert for profile changes on your Internet banking you will receive notification by the method set up for the alert.

Daily alerts are based on overnight processing. Certain real-time alerts may be delivered again through the overnight delivery processing schedule.

Farmers and Merchants Bank is very concerned about the safety and privacy of your information and is committed to security. The alerts service uses advanced encryption technology to prevent unauthorized access to your personal information. In addition, Farmers and Merchants Bank will never share your full account numbers, Personal Identification Number (PIN), email address, user ID or password in an alert message.

Farmers and Merchants Bank does not charge you a fee to use or access the alerts service. Messages and data rates may apply from your mobile provider. Check your text message/data plan and contact your mobile provider with any questions regarding your plan.

Farmers and Merchants Bank uses two bill payment types: electronic and paper check. For recipients who do not accept electronic payments, a paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.

For electronic payments, funds are held on the Send on date and withdrawn on the Deliver by date, which is within two business days for recipients who accept electronic payments.

For paper check payments, the paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.

Payments can be scheduled for up to one year in advance.

Payments can be made in any amount up to $100,000.

No, there is no limit.

A recipient can be any company, agency, organization or individual with an address that includes a valid US Postal Service ZIP code, including APO/FPO (military) addresses.

Farmers and Merchants Bank partners with a third-party provider to process and deliver payments. All support and claims issues are handled by our third-party processor. All claims and any customer service issues should be directed to 877-486-8440.

An electronic statement is an electronic Portable Document Format (PDF) file of your monthly account statement that can be viewed in Internet banking. You can save and print your statement. For legal purposes, a printed version of an Internet statement is the same as a paper statement mailed through the US Mail.

Security:

Convenience:

• Electronic statements are secure. They are provided to you through the secure Farmers and Merchants Bank Online Banking servers.
• Electronic statements reduce the risk of identity theft and fraud by eliminating paper copies.
• Electronic statements are available for viewing at your convenience within hours after they are produced, much faster than waiting for your paper statements in the mail. You can access up to 12 months of statements Internet.
• Electronic statements can be downloaded and saved to a disk, hard drive or portable storage device.
• Electronic statements can be printed for your records.

Your electronic statement is a PDF file, which can be opened with Adobe Reader. If you do not have this software, you can download it at no cost from www.adobe.com.

Current eligible accounts for electronic statements include:

• Checking Accounts
• Savings Accounts

You can view up to 18 months of previous statement history for any account type.

You will receive an email alert that will notify you when your electronic statement is available.