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FDIC-Insured – Backed by the full faith and credit of the U.S. Government

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FDIC-Insured – Backed by the full faith and credit of the U.S. Government

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FAQs

General Account Information

What is the routing number for Farmers & Merchants Bank?

Farmers & Merchants Bank’s routing number is 055002723. You’ll use this number for direct deposits, wire transfers, automatic payments, and other electronic transactions. It can also be found at the bottom left corner of your checks, before your account number.

Your full account number is printed on the bottom of your checks, listed in online and mobile banking under account details, and shown on your statements. For your security, it’s never shared by phone or email.

To open an account, bring:

  • A valid government-issued photo ID (such as a driver’s license or passport)
  • Your Social Security Number or Tax ID
  • Proof of address

Provide your employer or benefits provider with:

  • Farmers & Merchants Bank’s routing number (055002723)
  • Your full account number
  • The type of account (checking or savings)
    A voided check can be helpful when completing your form.

You can reorder checks through the Main Street Check order entry portal.

Yes. Farmers & Merchants Bank offers a Free Checking Account with no monthly maintenance fees or minimum balance requirements—ideal for everyday banking.

Your current balance shows all posted transactions. Your available balance includes pending debits, deposits, and any holds—showing what’s currently available to spend or withdraw.

We’d be sorry to see you go. Please visit a branch to close your account securely and ensure all outstanding checks or deposits are cleared.

Online & Mobile Banking

Select “Enroll in Online Banking” at the top of our website and follow the prompts to verify your identity. Once enrolled, you’ll have 24/7 access to your accounts, transfers, and e-Statements.

Yes. Download the Farmers & Merchants Bank Mobile App from the App Store or Google Play. Log in with your online banking credentials to check balances, deposit checks, and more.

Open the Farmers & Merchants Bank app, select Deposit Check, endorse the back with “For Mobile Deposit Only at F&M Bank”, enter the amount, and take photos of the front and back. You’ll receive confirmation once submitted.

For security, daily and monthly limits apply and may vary by account type. Your limits are displayed on the Mobile Check Deposit page or the mobile app. To confirm your current limits, you may call customer service at 410-517-3065.

On the login screen, select Forgot Username or Password? and follow the verification steps. If you’re locked out, contact our customer service team for assistance. 410-571-3065

Log in to online banking, choose Bill Pay, and add your payees. You can schedule one-time or recurring payments safely without writing checks or visiting multiple websites.

Security & Fraud Prevention

Yes. Each depositor is insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per ownership category.

Call our 24/7 debit card assistance line immediately or use online banking to temporarily lock your card. We’ll help block unauthorized activity and issue a replacement card quickly. 410-517-3065; Afterhours: 1-833-933-1681 (U.S.) or 1-812-647-9794 (International).

We use multi-factor authentication, encrypted connections, and continuous fraud monitoring to safeguard your data.

Federal law requires all financial institutions to verify a customer’s identity (Customer Identification Program). Your SSN helps confirm your identity and report interest earnings to the IRS.

No. Farmers & Merchants Bank will never ask for your full password, PIN, or complete card number. If you receive a suspicious message, contact us directly—do not click links or share personal information.

Bank Services & Products

Farmers & Merchants Bank offers personal, auto, home equity, mortgage, and business loans—tailored to your goals. Visit our Loans page or speak with a lender to explore your options.

You can apply online, call to speak with a loan officer, or visit any branch. We’ll guide you through rates, terms, and documentation needed to get started.

Yes. Farmers & Merchants Bank provides merchant services, business loans, commercial real estate financing, and treasury management solutions to help your business grow.

Rates may change periodically. For current rates, please contact your local branch or visit our Rates page for the most up-to-date information.

Locations, Hours & Contact

Use our Branch & ATM Locator on the website to find the nearest location, hours, and services available.

Hours vary by location. Most branches are open Monday–Friday with convenient drive-thru services. Visit our Locations page for specific hours.

Select branches offer Saturday hours for added convenience. Check our Locations & Hours page for details.

Farmers & Merchants Bank follows the Federal Reserve holiday schedule. Our website and social media posts all upcoming closures to help you plan ahead.

Call our Customer Care Center during business hours or use the Contact Us form on our website. For after-hours debit card assistance, use our 24/7 card support line.