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Debit vs. Credit and When to Use Each

Debit and credit cards are both powerful tools in your financial toolkit—but knowing when to tap for debit and when to charge credit can help you spend smarter and keep your money working for you.

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Smart Talk Newsletter – August 2025

Soak up the last days of summer and sharpen your financial know-how while you’re at it. From building credit to budgeting for big purchases, we’ve got quick tips to help you confidently finish out the season.

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Building Credit 101

Whether you’re a freshman in finance or just reviewing your notes, understanding how credit works is a key part of your financial journey. Class is in session—let’s get started with learning about building good credit.

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Katie Kjolhede – Internal Auditor

Inspired by People. As Internal Auditor at Farmers & Merchants Bank, Katie Kjolhede brings over five years of experience and a genuine passion for helping others to her role. With a background in customer service and a curiosity for how everything works behind the scenes, Katie enjoys the variety her job offers and the chance […]

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Celebrating Maynard’s Birthday

July 9 is Maynard Dunlap’s birthday—grandfather to our president, Gerry, and the heart behind Maynard’s Great Big Nebraska Adventure. See how you can join us in marking the occasion.

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