The F & M State Bank offers a broad spectrum of financial services.
For home, business, education, and retirement - contact F & M State Bank!

Regular Checking
No fees when a balance of $300 is maintained or have direct deposit; no service charge for students with first check order free.

NOW Checking
Minimum initial deposit $1000; no fees when a balance of $500 is maintained in statement cycle.

CLUB Checking
Join the Club Account for numerous advantages; inquire today. 

Business Checking
$5 per month maintenance fee; $0.12 per check written.  All charges are analyzed and offset with an Earnings Credit based upon balance per statement cycle.

Statement Savings
Statement issued and interest paid quarterly; no fee when a balance of $100 is maintained.

MMDA Savings
Minimum balance $2500; up to six transfers per statement cycle of which three can be checks; no fee if minimum balance maintained; statement issued and interest paid monthly.

Traditional IRA
SEP IRA
Roth IRA
CESA (Coverdell) IRA
1-Year - minimum $1,000 3-Month - minimum $10,000
2-Year - minimum $1,000 6-Month - minimum $10,000
3-Year - minimum $1,000
4-Year - minimum $1,000 5-Year Option - min $10,000
Agricultural Loans
Real Estate Loans
Consumer Loans
Commercial Loans
Student Loans

With a Shazam MasterCard photo debit card, your debit card is more secure.  Use your debit card anywhere MasterCard is accepted.  Works like a check, at the grocery store, gas pump, or any of your favorite stores or restaurants.  Use it at ATMs worldwide with your personal ID number (PIN) and get immediate cash.

Visa cards are available with attractive rates.

Our safe deposit boxes give you a safe and secure place to store all your valuables and important papers.

Free notary service is available at both our locations.

We can order United States Series EE and Series I Savings Bonds for you or as gifts for children and grandchildren.

Wire Transfer Instructions

Farmers & Merchants State Bank
P.O. Box 10
Plankinton, SD  57368
ABA # 091402015

For Further Credit:  Customer _______  Customer Acct # _______

Outgoing Wires:  $18.00
Foreign Wires:  $68.00

We cut image statements at the end of each month.  F & M provides you with a binder for bank statements and check images.

Employers - save check writing - let us do your payroll electronically.  $5.00 per file and $0.05 per transaction.  Payroll is automatically cleared immediately through your account for easy reconciliation.

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