Farmers & Merchants Savings Bank






The tube lane of our drive up is now open!


The second lane of our drive up is now open!  As you approach the kiosk you will see that we have a new unit to more efficiently serve you.   Feel free to pull up and give it a try.  

We can understand the appeal of our drive up and want to keep it moving for all.  Consider these two guidelines to keep the wait times to a minimum.

  1. Have your deposit ticket completed prior to reaching the teller instead of the teller completing it for you.  Use the personalized deposit tickets that are included with your packet of personalized checks, or ask the teller for a few blank deposit slips to use the next time you come through.  Ask if you need help in filling out the deposit tickets the first time.  We would be happy to help.
  2. We all need cash from time to time from our checking account.   You should be writing out your personalized check payable to “cash” before you get to the teller window.   Waiting until you get up to the teller than requesting that the teller fill out a debit memo from your checking account and then sending it out for your signature takes time and increases the chances of errors.

These two guidelines will help tremendously in keeping the drive-up lanes running efficiently. 





Looking to buy or improve your home?  


We've got you covered

Home mortgage rates might be going up, but we think you will find ours to be the best around. We invite you to comparison shop! Low rates, exceptional service and you continue to make your loan payment with us after closing. Compare rates and shop local for your mortgage financing!

Loan Products

Agricultural Lending

In the heart of the Midwest, we understand the importance of agriculture. Let our team of experienced ag lenders go to work for you. As farm producers ourselves, our roots run deep in our community and we understand the needs of farmers. We have access to a number of financing options and can offer long and short term rates. Give us a call today or stop in. We would welcome the opportunity to learn more about your operation.