Main - 706.485.9941 ~ Lake Oconee - 706.485.9858

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.

To Report Lost or Stolen Cards Call (800) 472-3272


The new way to give and get money.

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Attention Online Banking Customers

On May 1, 2017, Farmers and Merchants Bank will be rolling out an entirely new internet banking experience. We have rebuilt our internet services from the ground up and added several new features such as new and improved Bill Payment, eStatements, Mobile Banking, and...

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Important Information About Banking Changes at FMB

As part of our commitment to provide quality customer service and the most up to date banking services, we are pleased to announce that FMB will be transitioning from our current FIS core operating system to Fiserv. What does this mean to you as our customer?  Your...

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September is Childhood Cancer Awareness Month

Childhood Cancer is the #1 disease killer of children. More than asthma, cystic fibrosis, diabetes & pediatric AIDS – COMBINED! 46 children and adolescents are diagnosed every single week day 1 in every 330 children develop cancer before age 19 – it is NOT rare. 1...

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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.