Low, Fixed-rate Operating Loans

Here's an answer to better predict your business costs: one-year, fixed-rate operating loans from Farmers & Merchants Bank.

Other banks only offer floating-rate operating loans, making it impossible to accurately estimate borrowing costs. Adjustable rates like these involve more risk too: if short-term interest rates increase during the year, your cost of borrowing at other banks will increase.

A fixed rate creates more stability for your business. We protect you against increasing rates by fixing the cost of your borrowing throughout the term of the operating loan. Even better, in most cases, the fixed rate charged will closely match the initial floating rate offered by other institutions.

Contact a loan officer today. Here's to a great 2019!

Mobile App Benefit: Deposit Checks From Anywhere

Your smartphone may not smile as wide as your bank teller, but, when it comes to banking, it is pretty friendly. User-friendly, that is.

Because through the Farmers & Merchants Bank mobile app, you can deposit checks from anywhere––home, work, on the ranch, on the road. On any given day, that sure does take a load off.

It's super easy to do. Using our app and your mobile phone, you can quickly and securely snap photos of your checks and deposit them into your account. Here's how you do it:

From time to time, Farmers & Merchants Bank will send emails about new products and services. Please note, we will NEVER ask you for your personal or account information via email.