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 or visit

Looking for your direct deposit information? Click here to learn what the numbers on your check mean

Online Statements (eStatements)

Frustrated with the clutter of monthly paper account statements?  Go paperless today!  Online statements (eStatements) 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 estatements 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 branch today to purchase bank gift cards in any monetary amount you choose.

NACHA Operating Rules & Guidelines

Attention ACH Customers: Stay up-to-date and compliant with the rules governing the ACH network by visiting our ACH information page.

Payroll Services

Save time and money by partnering with our payroll vendor to handle all your payroll services and tax payment processing needs with industry leading software and proven reliability.