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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.
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.
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!

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
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.
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!
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
Savings Accounts
Choose the account that is right for you and watch your money grow while earning competitive rates.
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.
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  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.
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.
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!
Wire Transfer
Need to send money in a hurry? Domestic and foreign wires are available.
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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Useful Links

Competitive Rates
Loan Information




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