Main - 706.485.9941 ~ Lake Oconee - 706.485.9858

Your Financial Life with Farmers & Merchants Bank

Personal Banking

Looking for a bank that will treat you like someone.  Come into FMB today.

  • Checking
  • Saving
  • Lending
  • Online & Mobile App
  • CDs
  • Credit Card

Business Banking

We can help your business grow.

  • Checking
  • Lending
  • Credit Card
  • Remote Capture


Are there Cars in the Drive Thru?

No Need to Wait.  Deposit Checks in our ATM 24/7.

Life Changing Solutions Designed for You

Personal Banker

Allow one of our Personal Banking Representatives to assist you with your financial plans today.  We’re here to help with everything from opening new accounts to training you on how to use our convenient online and mobile banking solutions.

Manage Your Money

Phone and tablet apps allow you to manage your money from wherever you are.

Pay Bills Effortlessly

Say goodbye to stamps.  Organize all your bills in one central location and pay them as needed.

Make Reconciliation a Breeze

Download all your transactions Directly into QuickBooks.

Learn More

10 Tips to Avoid a Phishing Attack

DON’T TAKE THE BAIT! Ten Tips to Avoid a Phishing Attack: To click or not to click? Ensure you always think before you click on a link in an email, especially if it is coming from an unknown or non-common source. This is one of the best ways for a hacker to... read more

Shred Day

FMB’s Spring Shred Day is Saturday, May 14th from 10am to 12pm at the Lake Oconee Branch located within Harmony Crossing.  Bring in those financial and personal documents you no longer need and let us shred them for you safely and securely!  With identity theft... read more

April is Community Banking Month!!!

ICBA and FMB Kick Off Community Banking Month Community banks build better communities The Independent Community Bankers of America® (ICBA) and FMB will recognize Community Banking Month in April—a month dedicated to celebrating the longstanding tradition of local... read more

No More Checks.  Pay Your Bills Online.

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Main Branch

Main Branch

Downtown Eatonton

100 S. Madison Avenue
Eatonton, Ga. 31024
(706) 485-9941

Monday & Tuesday:  9am to 5pm
Wednesday:  9am to 1pm
Thursday & Friday:  9am to 5pm
Saturday (Drive-Thru only):  8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Lake Oconee Branch

Lake Oconee Branch

Harmony Crossing

1011 Lake Oconee Parkway
Eatonton, Ga. 31024
(706) 485-9858

Monday - Friday:  9am to 5pm
Saturday (Drive-Thru only):  8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Electronic Banking

Electronic Banking

Bank on YOUR Schedule...Not Ours!

FMB offers convenient online & mobile services:

  • Online Banking
  • Mobile Banking
  • Text Banking
  • eStatements
  • Bill Pay
  • 24/7 Deposit ATMs

NOTICE:  FMB is not responsible for and has no control over the subject matter, content, information or graphics of the websites that have links here.

FDIC insurance

FDIC now offers insurance coverage up to $250,000.00 per customer.  To learn more contact us or visit FDIC online at for more information.