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NOTICE:  The Farmers & Merchants Bank, Lonedell Branch will be temporarily closed for a period of time until construction repairs are completed. We anticipate the ATM to be operational during this time along with all of our other online and mobile access applications.  All other branches remain accessible.  We apologize for the inconvenience and thank you for your patience during this period.

Online Banking

Personal Banking
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Branch & ATM Locations

Click here for a list of Holiday Hours.

From deep roots grow strong branches! Our reason for moving into your neighborhood is pretty simple, we want to become your financial resource.

Touch Tone Banker — FREE 24-Hour Account Access!!

Banking Made Easy – From Home or Work
Access your Business or Personal Accounts 24 hours a day, 7 days a week.

  • Check if your direct deposit has come in. (i.e. social security, direct payroll deposits, or insurance premium payments.)
  • Check your current balance.
  • Transfer funds from one account to another. (provided they have the same ownership)
  • Find out which check numbers and amounts have been paid.
  • Check on the date and amount of your last deposit.
  • Plus – Find out current information about CD and money market rates, loan information (payoff, balance and last payment), bank hours, special events and more. . . . .
AreaPhone Number
St. Clair (636) 629-1006
High Ridge (636) 305-2666
Eureka (636) 938-4643
Other Areas 1-800-561-4366


  1. On a touch tone phone dial one of the numbers listed above.
  2. You will be led through the system by a recording. This requires a four digit password.
  3. If you have any questions regarding your accounts or this service, please do not hesitate to call a Customer Service Representative at 636-629-2225 or 1-800-382-0049.