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Our Drive-Ups Are Open

For your safety and ours, we ask that you make an appointment to speak with a personal banker or lender in order to limit the time you spend in the bank. 

FMB is here for you...

We feel communication between our customers, employees and community is very crucial.  As always, the FMB staff is available to assist you as we go through this uncertain time.  

We strongly encourage you to use our digital tools and other resources for self-service banking and 24/7 account access. You can access your accounts by using our Online Banking or by using the Mobile App at your convenience. From there, you can make payments, view transactions, check balances, locate an ATM and more.

We also understand that there may be instances where customers find themselves facing financial difficulties. Should you find yourself in need of assistance, please contact us.

We will continue to monitor the news and any reports or requirements from the Centers for Disease Control and Prevention (CDC) and local, state, and federal governments. We remain committed to serving our customers with the best possible service during these times.  Please check this page regularly for updates.  

At FMB the health and well-being of our customers, associates, and communities is our top priority. We understand the concern and uncertainty you may be experiencing surrounding the coronavirus and want to assure you we are taking precautions to minimize its potential impact on our employees, customers and operations. 

Here's what we're doing to prepare our branches: 

We’re taking extended actions to ensure our branches and corporate offices are clean and hygienic. 

  • We are actively encouraging sick employees to stay home. Employees who have symptoms of acute respiratory illness are recommended to stay home and not come to work until they are free of fever, signs of a fever, and any other symptoms for at least 24 hours.
  • We are actively performing routine environmental cleaning. We are routinely cleaning all frequently touched surfaces in our branches, such as teller stations, desks, countertops, and doorknobs. We are providing our branches with disposable wipes so that commonly used surfaces can be wiped down by employees regularly. 

  • Manage your finances from home using our Online Banking or the Mobile App
  • Take advantage of the Drive Thru to help reduce the risk of exposure
  • Ways to pay while keeping social distance
    • Digital wallets
    • Online shopping
    • Debit or Credit Cards
  • Loan and Mortgage payments can be made through the drive thru or online.
    • If you have questions or need help setting up your online account, please call your local branch.
  • Learn how to spot scammers.

Press Release:

ICBA and Farmers & Merchants Bank: Insured Deposits Are Safe at a Community Bank 

Washington, D.C. (March 19, 2020)—The Independent Community Bankers of America (ICBA) and Farmers & Merchants Bank remind community banking customers that their insured deposits are safe and backed by the full faith and credit of the federal government through the Federal Deposit Insurance Corp. (FDIC). 

“Community banks are stable and well-capitalized,” said ICBA President and CEO Rebeca Romero Rainey. “Community banking customers can continue to bank with confidence knowing their money is safe because it is insured by the FDIC. Since the FDIC was founded in 1933, no one has ever lost a penny of FDIC-insured funds.” 

“The FDIC fully insures funds held in FDIC-insured community banks up to $250,000 per depositor,” said Matthew Laumann, President and CEO of Farmers and Merchants Bank. “Our community bank is FDIC-insured, so we want our customers to know the facts and feel good about their decision to bank with us. We are here to answer any questions that our customers have and encourage them to reach out anytime.” 

The FDIC insures deposits and protects depositors' funds in banks and savings associations. FDIC deposit insurance covers each depositor, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest. Customers should look for an official FDIC sign at each teller window or teller station in their local community bank to know their institution is covered by FDIC insurance.

According to the FDIC, insurance covers all types of deposits received by a financial institution in its usual course of business, including savings and checking accounts, NOW accounts, money market deposit accounts, Christmas club accounts, and time deposits like certificates of deposit. Cashiers' checks, officers' checks, expense checks, loan disbursement checks, interest checks, outstanding drafts, negotiable instruments and money orders drawn on the institution are also protected by the FDIC. 

“If you are having difficulties managing your finances, talk with your local community banker,” said Romero Rainey. “Community banks have been around for generations and have weathered many storms. We are here to serve our customers and communities for the long haul.” 

The FDIC's Electronic Deposit Insurance Estimator is an interactive application that can help you learn about deposit insurance and calculate the insurance coverage of your accounts. For more information on community banks, visit

About ICBA

The Independent Community Bankers of America® creates and promotes an environment where community banks flourish. With more than 50,000 locations nationwide, community banks constitute 99 percent of all banks, employ nearly 750,000 Americans and are the only physical banking presence in one in three U.S. counties. Holding more than $5 trillion in assets, nearly $4 trillion in deposits, and more than $3.4 trillion in loans to consumers, small businesses and the agricultural community, community banks channel local deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation and fueling their customers’ dreams in communities throughout America. For more information, visit ICBA’s website at

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