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Banking services including direct deposit, online statements, bank gift cards, and solutions for tax payments.
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Other Banking Services

Direct Deposit

Direct deposit is the way to offer your employees the benefit of having their recurring paycheck, pension, government benefits or other income deposited directly into their checking account or savings account.  Direct deposit is quick, convenient and safe. No more waiting in line and worrying about lost checks! 

To get direct deposit, employees simply need to give the employer or payor of their recurring deposits their account number and bank routing number. For additional assistance, call us at (866) 437-0011.

NOTICE:  The U.S. Department of the Treasury recently announced that all federal benefits and non-tax payments will only be made electronically by March 1, 2013. People currently receiving federal benefits by paper check will have until March 1, 2013 to select an electronic payment method.  People applying for federal benefits for the first time, will need to choose direct deposit to expedite payment.  Avoid interruption in payment by signing up for Direct Deposit with F&M!  Visit www.godirect.org for more information.

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By clicking the button below, you are navigating to a third party website not maintained by F&M Bank. The third party is solely responsible for the content of its website including its privacy policy and the products and service it offers. If you do not wish to proceed, you can close this box to return to the F&M Bank website.
Looking for your direct deposit information? Click here to learn what the numbers on your check mean.

Online Statements (e-Statements)

Frustrated with the clutter of monthly paper account statements?  Go paperless today! Online statements (e-Statements) from F&M are a convenient, simple and safe way to manage your account records while offering the same benefits as paper statements.  Sign-up for Online Banking today and select e-statements to safely reduce the clutter and easily manage your account.

Click here to learn how to enroll to receive your online statements with F&M e-Statements.


Farmers & Merchants Bank Gift Cards by MasterCard®

Do you have a graduation, wedding, baby shower, or birthday coming up? Is it company bonus time?  Simplify gift giving with Farmers & Merchants Bank gift cards by MasterCard®.

Visit your local F&M branch today to purchase bank gift cards in any monetary amount you choose.


Tax Payments with remitONE®

F&M Bank now offers remitONE® where you can make your tax payments for all federal tax requirements and most state taxes conveniently via a touchtone phone or from your computer. Your online tax payments will be automatically deducted from your checking account and you will receive a transaction number for your records. A record of your transaction will be retained in case the IRS or state agency has any questions.

Call or stop by your local Farmers & Merchants Bank today to learn more about remitONE® tax payment banking services from Farmers & Merchants Bank.

NACHA Operating Rules & Guidelines

Attention ACH Customers: Stay up-to-date and compliant with the rules governing the ACH network by reviewing the National Automated Clearing House Association’s (NACHA) Operating Rules & Guidelines.

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By clicking the button below, you are navigating to a third party website not maintained by F&M Bank. The third party is solely responsible for the content of its website including its privacy policy and the products and service it offers. If you do not wish to proceed, you can close this box to return to the F&M Bank website.
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All F&M Bank Certificates of Deposit are subject to penalties for early withdrawal.
Money Market accounts are limited to six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Exceeding these limitations may result in transfer of your account to one that pays no interest. A separate application and agreement are required for an ATM card, Online Banking, and Bill Pay privileges. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Home equity lines of credit are available for both primary residence and second home locations. The plan has a variable rate feature. The index is the prime rate as published in the Wall Street Journal with a minimum floor rate of 4.750%. Maximum combined loan to value is 55.00% with line amounts available up to $500,000. All loans require credit approval. Terms and conditions may vary. Consult your tax advisor regarding deductibility of interest.
All loans require credit approval. Terms and conditions may vary.
Please be advised that without the loan number and signature, there may be a delay in processing your request.
All loans require a separate application and credit approval.
Business interest on checking accounts is available to sole proprietors and non-profit entities only. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Credit card applicant(s) require a business deposit account relationship with F&M.  All credit card programs require credit approval.  Full program details are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
All loans are subject to credit approval.
Online Banking requires a Business Checking account. A separate application and agreement are required for Online Banking, Cash Management Services, or Bill Pay privileges. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. A separate application and agreement are required for Online Banking and Bill Pay privileges. Transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Online Banking requires a Business or Personal account with F&M Bank. A separate application and agreement are required for Online Banking, Cash Management, and Bill Pay services. Transfers between accounts will be processed immediately if requested by 6pm. All other transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Some exclusions may apply.
The following Privacy Notice applies to Farmers & Merchants Bank customers only.
Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.
Subject to credit approval, certain restrictions and limitations may apply.
No Closing Costs to the consumer for lines of $250,000.00 or less on refinance transactions. Loan amounts over $250,000.00 and all purchase transactions, third party or related origination costs to be paid by Borrower.