Bank

Grow along with us here at Farmers & Merchants State Bank, where your personal or business checking account comes with so much more. Our local banking specialists are here to help you one-on-one at any of our three locations.

Personal & Business Banking Options

Enjoy the following services with any of our personal accounts, with additional business services available:

  • Online Banking
  • Online Bill-Pay
  • eStatements
  • Visa Debit Card
  • Direct Deposit
  • Night Depository
  • 24-hour Phone Banking
  • Ready Reserve
    (available to qualified applicants)

Personal Checking Accounts

When it comes to opening a new account with Farmers & Merchants State Bank, we have plenty of options for personal checking. These include those with no minimum balance or service fee, classic accounts with no monthly charges with a minimum balance, and our interest bearing checking accounts. We even have options especially designed for seniors ages 55 and over. All accounts include online banking and bill-pay, eStatements, a Visa Debit Card, night depository, 24-hour phone banking, and a ready-reserve for qualified applicants. Come visit us to learn more.

Business Checking Accounts

With checking and deposit options for business here at Farmers & Merchants State Bank, we’ve got your commercial needs covered. You can choose from our basic non-interest bearing checking account, our classic business account with no service fees with a minimum balance, and our interest-bearing classic account, which requires a minimum balance and a great interest return. All accounts enjoy online banking, monthly imaged statements, use of deposit bags, direct deposit, night depository, 24/7 phone banking, remote deposit capture, payroll processing, business debit card, combined account statements, and ready reserve for qualified applicants. Come weigh your options with us at any of our three locations.

Online Banking—Get Our App

Online banking with our mobile app is available to all of our customers. Simply download the FM Bank app on either the Google PlayStore or the Apple App Store, and you can take us with you wherever you go. To get completely setup, please contact your nearest Farmers & Merchants State Bank location.

Meet Your Banking Specialists

Amanda Arens

Amanda Arens

Customer Service Representative

Eden Valley
Email Amanda

Katie Hoheisel

Katie Hoheisel

Customer Service Representative

Brittany Kummet

Brittany Kummet

Customer Service Representative

Lexie Lehrke

Lexie Lehrke

Customer Service Representative

Linda Thielen

Linda Thielen

Personal Banker

Eden Valley
Email Linda

Patty Schlichting

Patty Schlichting

Personal and Business Banker

Sauk Rapids
Email Patty

Wendy Randall

Wendy Randall

Customer Service Representative

Sauk Rapids
Email Wendy

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I've been a customer of Farmers & Merchants State Bank for more than 20 years. I love that they are community focused, and local. They recognize me as a person, and my small business as their own.

-Ruth Ann, 2018

Let's Get Started

Questions? We're ready for you. Come visit us in person or simply pick up the phone. We look forward to sharing the friendly Farmers & Merchants State Bank experience with you.

Contact Us