Planting Seeds for the Next 100 Years! Businesses can earn up to $1,500,000 in cash rewards!

We Make Agri-Businesses Look Simple.



Connecting all your Agriculture Bussinees And Personal Banking Needs

Making Personal Banking Easy for you.

Connecting All your Banking Needs For Agri-Business, Trust Funds, Personal Banking , Joint Account, Investment Account etc

Making it easy for you.

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Presenting Products and Services that are right for you

Agriculture-Financing

Farmers & Merchant Bank is the community leader in agricultural financing in Virginia. Our decision-makers are experienced locals committed to finding the financing options you need to fuel our local economy.

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Financial Planning

We have earned a strong reputation for corporate citizenship over the years, building prosperity in the communities we operate in around the globe.

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Mortgage Advisor

Through our industry-leading client discovery process, we develop a deep understanding of your financial goals and personal values.

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A-Driving-Force-in-Agricultures-Future

Agriculture stands as a cornerstone of the Valley’s economy, contributing significantly to its growth and prosperity. An essential aspect of sustaining this vital industry is fostering the involvement of the younger generation.

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Saving & Investing

By choosing us as your wealth management partner, you will benefit from the financial stability and strength of a truly global institution.

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Home-Renovation-Loan-Guide

Do you have a home renovation project on your to-do list? Whether you are preparing your home for sale or looking to improve your existing space, renovation financing can help you modernize your kitchen, update your bathroom, add an extra bedroom etc.

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Investment-Property-Loans

Finance Your Rental With An Investment Property Loan Buying an investment property can be an exciting process and help build up your financial portfolio. Investment property loans are offered through traditional fixed rate and adjustable rate loans. .

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Debt & Borrowing

If you’re already working with a trusted advisor, or an institution, we can also partner with them to put your objectives and goals into action.

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Business Banking


Farmers & Merchant’s Agriculture Financing Specialties:We offer the following services Agriculture,Cattle Farm,Dairy Farm,Poultry Farm,Linked Line of Credit etc

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Nothing is impossible. We can help you achieve your goals!

Europe And America largest banking groups are required to comply with ring-fencing requirements from 1 January 2021. Find out more about our approach and what it means for you.

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Find the card that’s right for you. Explore the benefits.

Get the financial freedom you deserve. Credit cards offer exceptional benefits, rewards, services and spending power that can help make your financial and personal dreams come true.

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Transforming the way you pay. Explore new ways to pay

We offer an array of products that make it possible to pay anywhere, on any device. We’re bringing solutions to life to change the way you pay – through our innovative digital wallet service.

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Debit and Credit Card Protection Tipsto Prevent Financial Fraud

Escape from the daily routine and relax at a spa, go on a thrill-seeking adventure, or take in a round of golf with pro instruction. Access restaurant reviews and make dining reservations online.

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How can we help?

Whatever specific financial, personal or investment assistance you are looking for, one of our experts will be there to assist.

  1. You must be the primary account holder of an eligible Farmers & Merchants Bank consumer account with a FICO® Score available, and enrolled in Farmers & Merchants Bank Online®. Eligible Farmers & Merchants Bank consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Farmers & Merchants Bank for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier's message and data rates may apply.
  2. Please note that the score provided under this service is for educational purposes and may not be the score used by Farmers & Merchants Bank to make credit decisions. Farmers & Merchants Bank looks at many factors to determine your credit options; therefore, a specific FICO® Score or Farmers & Merchants Bank credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

    Farmers & Merchants Bank and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Farmers & Merchants Bank and Fair Isaac do not provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

    FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

  3. Enrollment with Zelle® through F&M Bank Online® or Farmers & Merchants Bank Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Farmers & Merchants Bank nor Zelle® offers a protection program for authorized payments made with Zelle®. The Request feature within Zelle® is only available through Farmers & Merchants Bank using a smartphone. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Farmers & Merchants Bank Online Access Agreement. Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Farmers & Merchants Bank account(s) with which you use Zelle®.

Investment and Insurance Products are:

  1. Not Insured by the FDIC or Any Federal Government Agency
  2. Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  3. Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Investment products and services are offered through FARMERS & MERCHANTS Bank Advisors. FARMERS & MERCHANTS Bank Advisors is a trade name used by FARMERS & MERCHANTS Bank Clearing Services, LLC (WFCS) and FARMERS & MERCHANTS Bank Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of FARMERS & MERCHANTS Bank & Company.

Deposit products offered by FARMERS & MERCHANTS Bank, N.A. Member FDIC.

Equal Housing Lender

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