AlertFRAUD ALERTAlert

If you receive a call from someone claiming to be from the Fraud Department and asking for personal or account information, please hang up immediately. We have been notified that fraudulent calls appear to be coming from our phone number. Farmers & Merchants Bank will NEVER call you and ask for your account number, debit card number, PIN, or online banking information. If you are unsure about a call, hang up and call the bank directly using the number you know and trust. Please share this message to help protect others.

Thanks.

Personal Banking

Your Financial Future, Built Together

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Personalized Guidance, Local Roots

Serving the communities of NW Kansas and Colorado, Farmers & Merchants Bank understands the unique financial landscape of our region. We’re more than just a bank; we are your financial partner, committed to providing tailored solutions that help you confidently achieve your financial goals.

Our Comprehensive Personal Banking Solutions

Your financial journey is unique, and we offer a full spectrum of products and services to support you every step of the way.

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Personal Checking Accounts

Manage your daily finances with local convenience and great features.

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Personal Saving Accounts

Build your emergency fund or save for a major purchase with competitive interest.

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Banking for Kids 

Start your child on the path to financial literacy with their first account.

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Investment Center

Get expert guidance to grow your wealth for the long term.

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CDs and IRAs: 

Choose CDs for steady, guaranteed returns and IRAs for tax-advantaged savings toward your retirement goals.

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Personal Loans

Get the funds you need for life’s necessities with flexible terms.

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Auto Loans

Drive away in your next vehicle with a competitive rate and easy application.

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Home Equity Loans

Tap into the equity in your home to cover major expenses or consolidate debt.

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Mortgages

Realize the dream of homeownership with local expertise and tailored options.

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Ready to Build Your Financial Future?

Visit your nearest Farmers & Merchant Bank branch or call us today to start a conversation about your financial goals.

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Personal Banking: Frequently Asked Questions

Account Opening & Management

A: You can easily open a new deposit account online or by visiting the Farmers & Merchants Bank branch most convenient to you; our personal bankers are happy to help, and the process only takes a few minutes.

A: To open an account, you’ll need a valid government-issued ID (like a driver’s license), your Social Security Number, and current proof of address..

A:  You can update your information by contacting our customer service team, or visiting any local branch.