Banking Tips

If you had an extra lock on your front door, you would use it, right? If you had a way to keep your accounts like Facebook and email safer with an extra step, you would use it, right? Two-factor authentication is the extra protection that keeps your accounts safe. In this article, we share why […]

As an adult, you know how important saving money is and how it can impact your future goals. But when did you start saving money? Was it when you got your first job in high school or when you started making a salary or when you started your own business? No matter when you started, […]

Think about where you could be if you invested in your growth. With a 3.5% fixed-rate, long-term real estate loan, this could be a good opportunity to grow your farm or ranch. A low rate like 3.5% can help you purchase new land or refinance a current mortgage, depending on your circumstances. Invest in Your […]

Watch the video below to learn some helpful credit score tips from our very own Jeff Aegerter, Senior VP and Branch Manager at our Beaver Crossing branch!  Free Credit Score Resources: Annual Credit Report: Get a free credit report once every 12 months Credit Karma: Check on your credit score and get recommendations for […]

Santa makes his list and checks it twice, but a little reindeer told us he also starts early. Think about how much you would enjoy Christmas if you finished your shopping early! You could have more time to help the kids decorate the tree or for a yummy cup of hot cocoa. Here are Santa’s […]

College expenses are sky-high, and the cost is increasing every year. Like saving for retirement, saving for your kid’s education can feel daunting and impossible but just know the sooner you start, the more prepared you’ll be. Here are some tips for saving money for your child’s college education divided by age. If your child […]

If you have financial goals you want to reach, you’re already on the path to building wealth! It doesn’t matter if you’re young, married with kids, or five months from retiring — building wealth is something everyone can do, no matter where you’re starting from. When you focus on building wealth now, you’ll see the payoff […]

We’re almost halfway through the year — can you believe it? Now is the time to look at your financial progress to see if there’s an opportunity to contribute more towards retirement, save money, or cut expenses. Walk through a mid-year financial review to make sure you achieve your goals by the end of this […]

It’s that time again—graduation! For high school seniors and college graduates, this is a time to close one chapter and move on to the next one. Whether that’s planning for dorm room décor or starting the job search, there are many expenses for graduates to pay for. To help with some of those expenses, consider […]

With tax refunds and stimulus checks hitting your bank account, you may find yourself with extra cash. Whether you decide to go all-in paying down debt or split it a few different ways, it’s best to have a plan of action. At Farmers & Merchants Bank, we’re always here to be your neighbor that offers […]