Welcome to Farmers & Merchants State Bank Online
Thank you for your interest in opening an account online with us.  As Your Partner For Life we  are eager to provide the convenience and security you are looking for in online banking.  

If you are already a customer, please sign on to your internet banking and click the New Account button. 

If you are new to F & M or are already an existing F& M customer wanting a Joint Account, please click Continue to get started!