Municipal Services

Farmers & Merchants offers you everything a large bank does and more. For more than 20 years we’ve helped villages, cities, school districts, educational service units and others, through our full array of municipal services including deposits and debt funding for Municipal Governments.

Pick from these Municipal Services to fulfill the needs of your next community initiative.

Municipal Deposit Services

  • Securities are pledged against deposits exceeding FDIC insurance
  • Ability to initiate ACH transactions, including payroll payments
  • Records sent electronically or on disc
  • Quick response to audit inquires

Municipal Debt Services

  • Funding up to $11,000,000 for terms of 20 years or less
  • Both debt funding and lease funding available
  • Competitive rates
  • Debt secured by the Municipality’s ability to levy tax, not on physical assets
  • Municipality pays legal and filing fees
  • No underwriting or sales commissions are charged
  • Debt is held and serviced by the bank, not sold

Stop by to set up Municipal Services to support your next initiative today!

Farmers & Merchants Bank – Smart Bank. Smart You.