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 and 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
During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party.  If you exceed these transfer limitations, your account may be subject to closure or reclassification by F & M State Bank.

Traditional IRA
SEP IRA
Roth IRA
Coverdell ESA
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
Commercial Loans
Consumer Loans
Real Estate Loans

  F & M State Bank - NMLS ID # 1163247
  Charlie Christensen - NMLS ID # 1164507
  Ed Fett - NMLS ID # 1164509
  Brian Reis - NMLS ID # 1164516

With a Shazam MasterCard from F & M State Bank, everyday transactions are more convenient.  Use your debit card anywhere MasterCard is accepted.  Works like a check, at the grocery store, gas pump, or at your favorite restaurant.  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.
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

F & M State Bank generates image statements for your accounts at the end of each month.  We can provide you with an attractive 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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