Established in 1903, The Farmers & Merchants Bank is a full-service community bank. The bank offers an array of services, including regular and interest bearing checking, passbook savings, individual retirement accounts, certificates of deposit, Christmas club account and online banking. It provides a variety of lending programs, such as mortgages, consumer, commercial and real estate loans. The Farmers & Merchants Bank s telephone banking service allows customers to confirm applied deposits, verify paid checks, obtain deposit balances, transferring funds between accounts and checking VISA debit card purchases. The bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.