Established in 1941, Farmers & Merchants Bank provides online banking services, loans and safety deposit boxes. The bank offers a wide range of checking accounts, including club checking account, club max checking account, personal checking account and senior citizen checking account for customers who are 65 years and above. Farmers & Merchants Bank offers loan money for almost anything ranging from automobiles to recreational vehicles to business loans to student loans. The bank also offers home mortgages for customers buying a new home or planning to make home improvements. Its credit card facility features automatic travel, accident insurance, emergency cash and travel reservations and also allows customers to participate in the Score Card Bonus Point Program. The bank was rated as Highest Rated Banks in America by Sheshunoff Information Services Inc.