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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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HSA (Health Savings Account)

  • Available to anyone with a HDHP (High Deductible Health Plan) IRS Defined Parameters
  • Tax Benefits
  • Use to pay for qualified medical expenses such as health insurance premiums, health care deductibles, co-payments, prescriptions and out-of-pocket expenses
  • Balances carry forward year to year
  • You and/or your employer can make contributions
  • $5.00 monthly maintenance fee or $2.00 with eStatements.  Note:  $2.00 fee will be waived if a combined average balance of $5000 over all FMB Accounts is maintained.
  • *Contribution limits apply, *Interest calculated on Average Daily balance.