News 

F&M is proudly issuing Chip Debit Cards

Over 31 million people were victims of card fraud in 2014 and there is a new victim every 2 seconds.  That is why Farmers & Merchants State Bank is committed to maintaining a high level of security for its customers and is proudly issuing the new more secure  Chip Debit Cards.  This card has $1 per month fee.  There are many security benefits of our Chip Debit Card: 

  • chip cards are not as easily duplicated by criminals
  • chip cards can reduce crime at the point-of-sale
  • chip cards can reduce the risk of identity theft   

Closed May 29th for Memorial Day

All locations will be closed on Monday, May 29th, to honor Memorial Day.

Heritage Club Annual Picnic = June 6th

It's time again for our annual picnic on Tuesday, June 6th, at the North Shelter of the Winterset City Park.  The Madison County Cattlemen will cook for us and Ashton Mount will sign for us.  We will eat at 5:30pm (note the new time).  Reservations are required.  Call today 515-462-4242.