What is Farmers & Merchants State Bank’s routing number?


When do I need to get my deposit in by to still show up on today’s business?

If you come in to the lobby or drive up, you need to complete your transaction by 3:00 pm CST.  If you are using internet banking or telebanc, you need to complete your transaction by 5:00 pm CST.

How do I send/receive a wire transfer?

Sending Wire Transfers

To send a wire, F&MSB Bank will need the following information:

  • The receiving bank’s ABA number (routing number) and name of the bank
  • The name of the receiving bank.
  • Account number of beneficiary
  • Beneficiary name (person or firm to whom the wire is being sent)
  • Beneficiary physical address (not a P.O. Box)

Sometimes the receiving bank requires additional information. Please contact the receiving bank to obtain their “wiring instructions.”

To send a wire transfer, please visit us in person.  For additional information contact us at 218-385-2300.

Receiving Wire Transfers

There is no fee to our customers for receiving a wire transfer.  To receive either a domestic or international wire at F&MSB, please call us for wiring instructions at 218-385-2300.

How can I request a free credit report?

You are entitled to receive one free credit report per year from each of the 3 credit reporting agencies.  There are 3 easy and convenient ways to get your report:

What is the FDIC insurance limit for my accounts?

Your deposits at Farmers & Merchants State Bank are fully insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), and are therefore backed by the full faith and credit of the U.S. government. Please keep in mind, FDIC coverage depends on the type of accounts you have and the ownership of those accounts. You can learn more about FDIC coverage and how you are impacted by visiting the FDIC Website.  Estimate your coverage by accessing the FDIC Electronic Deposit Insurance Estimator (EDIE).  For more information please visit us or call us at 218-385-2300.

What is Farmers & Merchants State Bank’s fax number?


How much does it cost to get a debit card?

For personal accounts, there is no monthly fee to add a debit card.  The initial card and one replacement card are complimentary.  However, after that, each replacement card (not counting cards automatically reissued for expiration dates) is $10.

How long does it take to get a debit card?

It takes up to 2 weeks to receive your debit card and PIN in the mail.

How do I activate my card?

You have 3 options:

  1. Call us at 218-385-2300 and we can activate the card for you.
  2. Use the card at an ATM with the PIN you received in the mail.
  3. Call 866-590-4793 to activate the card.

How do I change my PIN on my card?

You need 2 pieces of information to change your PIN:  1) the last 4 digits of your debit card number and 2) an easy PIN reference number.  To get the reference number, call us at 218-385-2300.  Once you have it, you call 855-327-9746 (855-EASYPIN) and follow the instructions to change your PIN.

What happens when my card expires?

Our cards expire every 24 months.  If your card expires in March, for example, you will automatically receive a new card in the mail at the end of January.

If I am traveling, what do I need to do to ensure my debit card continues to work properly?

If you are traveling, please call us ahead of time to let us know where you plan to be and a number where you can be reached while you are gone (i.e. cell phone).

How can I get a replacement debit card?

If you lose your card or the magnetic stripe seems to quit working, please contact us here at the bank and we will get you a new card.  Please note, if you lose your card, we may assess a fee for a replacement.

What is a CVV code?

The CVV Number ("Card Verification Value") on your credit card or debit card is a 3 digit number on VISA®, MasterCard® and Discover® branded credit and debit cards.
Your CVV number can be located by looking on your credit or debit card, as illustrated below:

How do e-statements work?

You must have an internet banking account to access e-statements.  If you sign up for e-statements, you will receive an e-mail notification after your statement is ready to be viewed.  You will need to login to your internet banking account to view the statement.

How do I sign up for e-statements?

Once you are in your internet banking account, click on “User Options” in the upper left hand corner of the screen.  On this page, you are able to change your password, edit your e-mail address, revise your security questions and sign up for e-statements.  

How do I cancel e-statements?

To quit receiving e-statements and go back to paper statements, please stop in to the bank or call us at 218-385-2300.

Is there any cost to receive  e-statements?

No, there is no cost to receive  e-statements.

How often will I receive an e-mail notification?

Most of our accounts are on a monthly statement cycle and you will receive a notification once a month.   If your statement is cut off on Friday, for example, on Saturday you should receive an e-mail notification telling you your statement is ready to be viewed.

How do I view statements online?

You must login to your internet banking account.  When you see your list of accounts, click the blue hyperlink for the account you wish to view the statement for.  Up above, click on the  “Statements/Notices”  button.  A new box will pop up.  You can pick the date (or range of dates…up to 6 months) for the statement(s) you wish to view.   Click “submit” and a list of available statements will appear.   Simply click on the statement you wish to view.  A PDF image of your statement will appear.

Will my e-statements look the same as the paper one I receive in the mail?

Yes, your statements will look the same as they do now.  However, you must click on the “Statement Disclosures / Questions” to view the back page of the statement, with disclosures and the balancing area. 

Will I be able to view images of checks on my e-statement?

No, you will not see images of your checks on the PDF e-statement.  However, if you view the transactions on your account in internet banking, you may still click on a check number to view the image.  You may print or save these images.

How long will e-statements be available on internet banking?

Online statements are available for 6 months, so please PRINT or SAVE your statements. Also, your statements will only be available in electronic format AFTER the date that you sign up for them. For example, if you sign up May 1st for e-statements,  your April statement will not be available for you to view online.

How do I change the e-mail address to which my e-statement notifications are sent?

Once you are in your internet banking account, click on “User Options” in the upper left hand corner of the screen.  On this page, you are able to change your password, edit your e-mail address, revise your security questions and sign up for e-statements.   Click on the “edit” button under the “e-mail” section.

What should I do if I do not receive my e-statement notification?

If you do not receive your e-statement notification, please call us at 218-385-2300 or submit an e-mail under the “contact us” link on our website.

How do I change my Internet Banking password, security questions or e-mail address?

Once you are logged into your Internet Banking in the upper left hand of your screen click on “User Options”. From there you are able to click edit and change your password, security questions and e-mail address.

Can I view checks online?

Yes.  When viewing your Internet banking account you can left click on the check number for the item which you would like to view.  The check number should be a hyperlink.

Why can’t I see all of my accounts online?

You are only allowed access to view accounts in one “port” at a time.  Typically, each family will have a port, each business will have a port, etc.  So, for example, you would not be able to use the same login information to view your own personal accounts and the accounts of the business you work for, even if you are a signer for the business.   It would be possible, though, for you to have 2 separate logins for your personal and business accounts.

I am having trouble getting registered as a first time user for internet banking-help!

 Please make sure to check one item:  The last question asks for your password, which is usually the last 4 digits of your SSN.  However, if you are a previous user of our telebanc system and you have changed your PIN on the telephone, you will need to enter that same number into the Password blank, rather than the last 4 digits of your SSN.

How do I know how much house I can afford?

Usually, loan product guidelines are at 28% of your gross monthly income for housing and 36% of gross monthly income for all monthly obligations.  Some guaranteed loans have ratios of 29%/40%.

What does my mortgage payment include?

Your mortgage payment would include principal and interest, and may include real estate taxes, home owners insurance and/or Private Mortgage Insurance (PMI), all depending upon how you have decided to set up your loan.

How much cash will I need to purchase a home?

The amount of your down payment and expenses varies depending on the mortgage product.

How do I begin the mortgage loan process?

The first step is to contact your lender.  By completing an application, you can be pre-qualified so you know how much of a mortgage you can handle.  Please call us at 218-385-2300.

If I have a checking account and a loan, can I make an automatic loan payment?

Yes, you can sign an authorization form to set up an auto payment through our loan department.  You may also make 1 time payments to your loans via internet banking or mobile banking.

How can I find out if a check has cleared, what my balance is or the amount of my Direct Deposit?

You have 3 options:  1) You may call us at 218-385-2300 and ask for the bookkeeping department; 2) You can log in to view your accounts via mobile banking; or 3) You can log in to your internet banking account.

How do I place a stop payment on an item?

You may contact our bookkeeping department to sign a stop payment form.  Call 218-385-2300 option 3 to reach bookkeeping.

How do I reorder checks?

You may stop in or call us to order your checks, or you may also reorder checks by going to www.deluxe.com and entering your bank and account infomation

What do I need to bring with me to open an account?

You will need a copy of your driver’s license.  You also need to know your Social Security Number.   Anyone who will be on the account will need to sign the signature card.