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The Farmers & Merchants Bank

Personal Banking

Made Easy

Since 1912, The Farmers & Merchants Bank has been providing a variety of financial services for residents of Noble County and the surrounding areas. We offer a wide range of banking products and services that enable you to do your banking with local people who really care.

Checking Accounts

EZ Checking

Our most popular account focuses on simplifying your life. If you like to save paper and time by accessing your records online, this account is for you.

Regular Checking

This account includes easy to read monthly statements, complete with printed images of every cancelled check.

NOW Account EZ

This account allows you to earn competitive interest rates on your checking balance, while enjoying the convenience of EZ checking.

NOW Account

If you want to earn competitive interest rates on your checking balance, this account is for you!

Checking Comparison Chart

Checking Account Types Minimum Deposit to Open Monthly Service Fee or Balance Requirements Interest Earning
EZ Checking $20.00 None
Regular Checking $100.00 $5 or $100.00
NOW Account $1,000.00 $10 or $1,000.00
NOW Account EZ $1,000.00 $10 or $1,000.00

Savings Accounts

Starter Savings

Imagine if at age 10 you knew what you know today? Teach smart saving habits early with a starter savings account.

Regular Savings

We offer simple solutions to fit your life. With a balance of $100, your account will earn interest and you'll avoid service charges.

Money Market HI FI

Earn more by saving more. Higher balances mean higher rate tiers with our Money Market HI FI account.

Christmas Club

With this account you'll be able to keep your holiday spending funds separate from your traditional savings.

Vacation Club

Let us help you relax and enjoy that summertime breeze with a monthly deposit to your vacation club account.

Savings Comparison Chart

Savings Account Types Daily Minimum Balance to Obtain APY Minimum Balance to Open the Account Quarterly Service Fee if Below Minimum Balance Interest Earning
Starter Savings .01 $5.00 N/A
Savings .01 $100.00 $5.00
Christmas Club .01 $20.00 N/A No Withdraws
Vacation Club .01 $20.00 N/A No Withdraws
HI-FI .01 $2,500.00 $10.00
Premium HI-FI $1,000.00 $25,000.00 $45.00

Loans | Mortgages

Consumer Loans

Hitting the open road, purchasing a vehicle, or needing vacation funds - no matter the need we've got you covered.


Buying a home is a big deal. Let us make it easier with personalized service, low closing costs and expert support.

Invest | Retirement

Certificates of Deposit

Our CDs offer safety and security with competitive interest rates. Go ahead, invest in peace of mind.

Traditional IRA

Enjoy the best of retirement, courtesy of The Farmers and Merchants Bank stress-free Traditional IRA.

Roth IRA

You've earned the right to make your own decisions. Plan retirement on your terms and enjoy the flexibility of a Roth IRA