| Services |
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ATM/ShazamChek Debit Cards |
| ATM Cards – Verify account
balances, withdraw cash, transfer funds, plus more 24 hours
a day, seven days a week at our ATMs and wherever you see
the Shazam or Cirrus logos. We are a Privileged Status bank.
Use the ATMs of other Privileged Status financial
institutions surcharge fee free. Just look for the pink and
black privileged status logo. |
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ShazamChek Debit Cards |
| Access your checking account
quickly and conveniently without the hassle of writing a
check. Get cash and make purchases quickly and easily. Money
is deducted right from your checking account. For additional
security your photo and signature are digitally imprinted on
the face of the card. Use it worldwide wherever you see the
Shazam logo, Cirrus logo, or the Debit MasterCard Symbol. |
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Business Debit Cards |
| A debit card for business
customers that allows for better record keeping of business
expenses and instant purchase power for business needs.
Enjoy special MasterCard privileges while having the
flexibility of assigning cards for multiple employees each
with assigned spending limits. If your ATM/Debit card is
lost or stolen, report this immediately. During banking
hours call
888-383-2265. If it is after hours, be sure to call Shazam
@ 800-383-8000. Don’t hesitate to call! |
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Bank By Mail |
| Live out of the area or just hard
to travel to one of our locations? Contact us and we will
mail you the necessary supplies (deposit or payment
envelopes, etc.) to make banking with us easy for you. |
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Deposit Services |
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Certificate of Deposits |
| A safe place for your hard earned
money. We offer competitive rates and a variety of maturity
terms to fit your long and short term needs. Check out our
specials on the Rates page. |
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Checking accounts |
| Not everyone has the same banking
needs. We offer a variety of personal and business checking
account to allow you to manage your money in the way that
best suites your lifestyle and financial goals. |
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Christmas Club Accounts |
| Be ready for Christmas. Set aside
a few extra dollars in this fund throughout the year and
receive a Christmas Club check in October of these funds
plus interest earned on them. Be ready for all your
Christmas shopping! |
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Retirement and Educational Savings Accounts |
We want to help you achieve all of
your financial goals, both during and after your working
years. We have terms and rates that will
assure your investment will grow safely. See how easy it is
to open a new account or rollover a current one by talking
to us. We offer:
- Traditional, Roth, Simple, and Educational Savings
Accounts
- Simplified Employee Pension (SEP) plans
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Savings Accounts |
| Choose the account that is right
for you and watch your money grow while earning competitive
rates. |
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Direct Deposit |
| Get your payroll check, Social
Security, interest check, or other regular payment deposited
electronically to your Farmers & Merchants Savings Bank
account. Its easy and secure plus your money gets to the
bank quickly and you save a trip! |
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Drive-Up Banking |
| Weather bad, a car full of kids,
or just in a hurry, each of our three locations offers the
convenience of being able to conduct your banking
transactions without ever leaving your car. Enjoy the
extended drive-up hours at our Iowa City location. |
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Internet Banking |
| Have secure access to
your Farmers & Merchants Savings Bank accounts from any
computer, any time, day or night. Review account history,
check a balance, and make online transfers to your Farmers & Merchants Savings Bank accounts. See if this fits your
needs by viewing a demo at
www.fmbankonline.com.
In order to participate in internet banking we must have a
signed internet banking application on file. The
application is below and can be either mailed to our offices
or taken to any of our locations. |
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INTERNET
BANKING APPLICATION |
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Loans |
Our experienced loan staff can
help you with your financing needs. We offer a variety of
loan services at competitive rates:
- Agricultural loans
- Consumer loans
- Commercial/Business loans
- Commercial Real Estate
- Residential Real Estate
- Real estate loans serviced in-house or long term on
the secondary market
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MasterCard & Visa credit cards |
| Whether you are a business or
consumer we have a low interest credit card product designed
for you. Enjoy the convenience, reliability, and flexibility
you expect from Farmers & Merchants Savings Bank. |
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Red Carpet Club |
Offered exclusively for our
customers age 55 or better that maintain $1500 in either a
savings or checking account or $15,000 in a certificate
of deposit. (Joint account covers both spouses) As a Red
Carpet Club Member you’ll enjoy many benefits such as:
- Free Regular Checking account-no service charge, no
minimum balance required
- Free personalized wallet specialty blue checks with
the Red Carpet Club logo
- Free Cashier’s Checks
- Free ATM card
- Free Notary Service
- Free photocopies
- Free monthly movies
Monthly newsletter to keep you informed of the upcoming
trips, tours, movies and other special events especially for
our Red Carpet Club “Very Special People”
Call or stop in for more information and let us “roll the
Red Carpet out for you.” |
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Telephone Banking |
| Enjoy the convenience of accessing
your accounts 24 hours a day, 7 days a week using a touch
tone phone, a toll free number (877-226-5366) and your
personal identification number. Check your account balance,
transfer funds between accounts, review your history detail,
make loan payments, check interest rates, and more. It’s
private, easy and FREE! |
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Wire Transfer |
| Need to send money in
a hurry? Domestic and foreign wires are available. |
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Other Services |
We offer a variety of other
services to serve our customers’ needs. Listed below are a
few of our most popular ones. Don’t see what you are looking
for? Ask and we will try our best to fulfill your need.
These services are available at all three of our convenient
locations.
- Account Balancing Assistance
- Coin Counting
- Faxing
- Money orders
- Night Depository
- Official Checks
- Notary services
- Photo copying
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