Paycheck Protection Program (PPP) Loans: Please visit F&M Bank’s PPP Knowledge Center for up-to-date information about First Draw PPP loans, Second Draw PPP loans, and loan forgiveness.

Business Checking
F&M Bank knows the importance of having options for your business. With three different Business Checking accounts that are as unique as your business, we’re sure to have an account that fits your needs.

Business Credit Card
The F&M Business Visa® Credit Card works as hard as your business and is backed by California’s Strongest. Improve cash flow, control expenses, and prepare for tax season with our free annual statement summary.

Merchant Services
F&M Bank’s Merchant Services helps you spend less time on banking and more time running your business. Accept payments in-person or online, receive local support and receive all supplies and equipment at cost.
see what our clients have to say about their relationship with F&M.

The Children's Clinic
Client Since 1989
We take great pride in providing the very best services to our community, and I see a lot of the same values at Farmers & Merchants Bank.

Minnie Gant Elementary School PTA
Client Since 1984
We support the bank and the bank clearly supports the community and our kids.

Emmanuel Reformed Church
Client Since 2015
They celebrate their history believing it guides them into the future. They believe God has done something unique and good in and through the people.