Farmers & Merchants Online Banking

Manage your money with the powerful, safe and easy-to-use tools available from Farmers & Merchants Online Banking.

Enroll and starting using the tools today!

Take an Online Banking tour to learn more!

Bill Pay

Avoid late fees, save on postage and have peace of mind knowing your bills are paid on time. Farmers & Merchants Online Banking makes paying bills quicker and easier than ever. Paying bills online is a convenient, secure service that helps you better manage your finances and provide a more efficient process for paying your bills. Setting up payees is fast and easy. All you need to enter is the name, account number and billing zip code.


To access Bill Pay, log in to Farmers & Merchants Online Banking and go to Bill Pay.


Money Management

View your complete financial picture with the most advanced system available, Money Management--right inside your Farmers & Merchants Bank Online Banking. Money Management automatically categorizes your expenses allowing you to see spending habits in just minutes. This easy-to-read snapshot of your finances includes:

  • Auto-categorization, split categories and the ability to add subcategories
  • All Farmers & Merchants Bank accounts automatically pull over
  • The ability to choose outside accounts to include in your financial overview
  • Debt payoff forecast
  • Detailed net-worth analysis and tracking
  • Cash flow calendar & spending chart
  • Text alerts & email alerts

Money Management vs. Finance Works Overview

Tour Money Management (with the use of app)

Tour Money Management (w/o the use of app)




Clear the clutter and simplify your record-keeping by utilizing Farmers & Merchants Bank eStatements.You'll always know where your statements are stored...right in your online banking account. No more "where did I put that?"

To access eStatements, log in to Farmers & Merchants Online Banking and go to Additional Services-eStatements.



It's your money. Keep more of it with exclusive TurboTax© access.

Why spend more than you should to have someone else do your taxes? TurboTax© puts the power in your hands to get back more of your hard-earned money. So we've put TurboTax© inside Farmers & Merchants Online Banking for you!

  • Customized for you  TurboTax© uncovers the latest deductions and credits based on your job, family and life.
  • Help when you need it   TurboTax© CPAs, EAs or tax attorneys are available year-round so you can get expert answers to your specific questions - free.
  • Your taxes done right   TurboTax© guarantees 100% accurate calculations and your maximum refund - or your money back!

To access TurboTax©, log in to Farmers & Merchants Online Banking and go to Manage Money-My TurboTax.


Mobile & Text Message Banking

Bank from Anywhere with your Apple or Android Device.

The key features from Farmers & Merchants Online Banking are ready for you to use on the go. Turn to our free mobile solutions to quickly and securely:

  • View your balance
  • Check on recent account activity
  • Transfer money on the spot
  • Find the nearest branch or ATM

To access Farmers & Merchants Online Banking from your mobile device, simply visit on your mobile phone's web browser. Log in with the same user ID and password you use for Online Banking or go to the iPad/iPhone App Store or Google Play for Android and search The Farmers & Merchants Bank.

Take a mobile banking tour to learn more.

Text Message Banking

Simply log in to Farmers & Merchants Online Banking and go to Additional Services-Mobile Banking & Alerts. Provide us with your mobile phone number to get started.

Take a text message banking tour to learn more.


Funds Transfer

Transfer funds efficiently and securely with Funds Transfer.  Whether between your own accounts at Farmers & Merchants Bank, accounts at other financial institutions, or person-to-person payments, transferring funds takes just a few clicks.

Main Features:

  • Transfer funds online between various financial institutions without visiting a branch or writing a check.
  • Set up automatic recurring transfers.
  • Choose the speed of the transfer to meet transfer needs.

To transfer funds, simply sign into your online banking account and click on Move Money. Then, select the type of transfer you would like to make (Make a Transfer, Schedule a Transfer, External Transfers)



Now, sending money is easy as sending an email or text message.

What is Popmoney®?

Popmoney® is an innovative payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting.

Why Use Popmoney®?

Popmoney® is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online, saving them a trip to the bank.

Use Popmoney® to:

  • Send money to your child at college
  • Send a gift to family and friends
  • Pay back friends for that fun outing
  • Pay your babysitter or your lawn care service
  • Pay rent to your landlord or roommates

How does it work?

Sending Money

  • To send money, log in to your online banking account and look for Move Money-Pay Other People.
  • Send money to anyone using his/her email address, mobile number or bank account information.
  • You will be notified when the transaction is completed.

Receiving Money

You will receive an email or text message telling you someone sent you money.

  • Log into your Online Banking and click on Move Money-Pay Other People. The request will appear on your Overview page.  Choose which account you want the money transferred to, and DONE!
  • Otherwise, you can provide your bank account information at Your money will be sent to that account.
  • If you don't provide your account information, the payment will be automatically returned to the sender's account.

Money sent to a bank account will be automatically deposited there.


Request Money

  • Request money from a person or group. Tell us who you want to collect money from and how much. They don't need to have an existing Popmoney account.
  • They get notified to pay the request and can do so with just a few clicks. A reminder will be sent if they forget.
  • Done!  Money will be deposited into your account automatically and you'll get a notification that your request has been paid.
  • Move Money-Pay Other People. Click on Request Money.


Purchase Rewards

At Farmers & Merchants Bank, we understand everyone wants to save money, and we make it easier by allowing your favorite shops and restaurants to give you cash back! Purchase Rewards are offered through the Home Page within your Online Banking; activating an offer and paying for your purchases with your Farmers & Merchants Bank Debit Card will allow you to get cash back, deposited right into your checking account by the end of the next month.

This rewards program is based on how you currently shop, so the offers you receive are relevant to you! The more you use your debit card, the more chances you have to receive offers. This program is FREE, and no enrollment is needed. Just login to your Online Banking and click on 'All Offers and Options' in the Purchase Rewards widget on the Home Page to activate your offers. Need more answers?  View a demo, here.


 Mobile Deposit

Deposit checks anytime, anywhere from your mobile device by using mobile deposit!  Whether you are on-the-go, don't live near one of our branches, or can't make it in during normal business hours, this free and easy feature is the choice for you.  Select which checking or savings account you want to deposit to, snap a picture of your check and you're done!  Just log into Farmers & Merchants Bank mobile app and click on 'Deposits'. No additional enrollment necessary! Have questions? Our FAQ should have you covered.


Telephone Banking

Review account balances, transfer funds and find out if a check has cleared with Farmers & Merchants Telephone Banking. It's available 24x7 and totally secure. Simply dial 920-361-5000.  To log-in, you'll be prompted for an account number and the last four digits of your social security number.


Direct Connect to Quicken® & QuickBooks®


Farmers & Merchants Online Banking includes the ability to directly connect with Quicken® and QuickBooks® to make managing your personal and business finances easier than ever.

  • No manual data entry  Once you're set up, you can download all your transactions right into Quicken® and QuickBooks®.
  • Automatically reconcile  Data includes complete transaction and balance information to make categorization and account reconciliation easy.
  • No duplicate transactions  Direct Connect prevents the download of duplicate transactions.

Need help getting set up?  Call us at 920-361-5005, and we can provide you with your username and password.  Here are some more detailed instructions.