F&M Bank, a subsidiary of Farmers & Merchants Bancorp, is a full-service community bank that serves California through approximately 20 branch offices. The bank offers a full range of personal banking services, including checking, savings, money market, time deposit, individual retirement accounts, Internet banking and Visa debit cards. The bank also provides a complete range of business services, such as inventory financing, business loans, credit services agricultural loans, community loans and real estate loans. Through its partnership with TransFirst, F&M Bank offers a comprehensive array of credit card processing and settlement service options. F&M Bank is headquartered in Lodi, Calif.