Farmers &
Merchants Bank
Local banking in Maryland.
Open an Account Online.
Convenient account opening from your local Maryland bank. Start when it works for you and complete the process in just a few simple steps.
Convenient
& Secure
Checking,
Savings & More
Local Service
You Know
4.10
%
APY*
Open with as little as $500.
A bank you can trust.
The Community Bank that puts People First
Farmers & Merchants Bank has proudly served Maryland families and businesses for over a century. As a true community bank, we believe in personal connections, responsive service, and a deep understanding of our neighbors’ needs. Whether you’re opening your first account or expanding your business, we’re here to help every step of the way.
Financial Solutions
Personal
Your Life. Your Money. Your Bank.
Discover personal banking that grows with you — from everyday checking to savings that secure your future!
Business
Everything starts with a conversation.
Let’s sit down and talk about your business, your goals, and your aspirations. We bring the same passion for your business's success as you do!
Treasury Management
Smart Banking for Smarter Business Decisions
Helping businesses optimize working capital, streamline operations, and protect themselves against fraud.
Mortgage
Your Home, Your Future – Let’s Make It Happen Together!
Personalized mortgage solutions, competitive rates, and a team that knows your name.
What Makes Us a community bank
Being a community bank means more than just local roots, it means putting people first. From supporting local nonprofits to making lending decisions right here at home, we’re invested in the well-being of our customers and communities. Our team lives where you live, shops where you shop, and cares as deeply as you do. That’s the difference you’ll feel when you bank with us.
Treasury Management
Our Treasury Management solutions are built to simplify operations and strengthen cash flow for your business. With tools tailored for security, control, and efficiency, we help you manage funds more effectively, so you can focus on what matters most. Partner with our experienced team to find the right fit for your goals.