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The Farmers & Merchants Bank


Ask Us

Internet Banking Questions

What services are available with Online Banking?

Check your account balances. Confirm which checks, deposits, withdrawals and ATM transactions have cleared. Transfer funds between your Online Banking checking and savings accounts. Download transactions to financial packages.

If I share a checking account with someone else, do we both need to enroll or can we share an Online Banking account?

For your security, we require every Online Banking customer to have a unique User ID. There is only one login and password for any one account.

Who do I call if I need help with my Online Banking service?

If you have questions concerning our online services, please call a bank representative at our main location.

How can I view my checks online?

Check images can be viewed on all check transactions except for current day transactions. To view a check image, click on any of the following options: "Current Statement", "Previous Business Day", or Previous Statement". Click the hyperlink in the "Check Number" Column of the check image you wish to view. This will display the front of the check. To view the back of the check, simply click the "View Back of Check" link. You can also use the Check Image Search. This allows you to search by check number and date.

Can I have more than one account enrolled in Online Banking?

Yes. You can access all of your bank accounts online. Once you have enrolled one account, you can add additional accounts by contacting a bank representative. Then you will be able to use the same User ID and Password to view information about all of your accounts.

What if I forget my Password?

If you forget your password or enter it incorrectly, an error will be displayed on the screen and allow you to login again. After 3 unsuccessful attempts, your account will be locked. This means that you will have to contact the bank and ask if your online banking account can be re-activated. The bank representative will be able to generate a new random password for you. The first time you login, you will be required to change your password. If you have any questions, please contact your bank representative for assistance.

What is a PIN?

Your Personal Identification Number (PIN) is a security code that allows the Online Banking system to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.

General Banking Questions

What are the differences between a regular checking account and an EZ checking account?

Our regular checking account offers printed images of all cancelled checks with your monthly statement. This is useful for customers who like to keep paper copies of their records on hand. Our EZ checking account allows customers to access check images online but a printed copy of these checks is not supplied with monthly statements. Our EZ checking account does not have any minimum balance requirements or service fees.

Where can I find The Farmers and Merchants Bank ATMS?

Our ATMs are located at:

430 North Street
Caldwell, OH 43724
and at:
110 Olive Street
Caldwell, OH 43724

What should I do if I have not received checks within two weeks of ordering them?

Please call us, and a bank representative will assist you.

If I am uncertain about a transaction on my account, how can I find out what it is for?

If you are unsure of a transaction on your account, please call one of our bank representatives to assist you.

Are my deposits safe?

Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). FDIC deposit insurance is $250,000.00 per depositor. To learn more about FDIC, visit them online at www.fdic.gov.