Founded nearly a century ago, Farmers & Merchants Bank is a financial services provider that is one of Florida s oldest banks. The financial institution s roots are primarily embedded in Jefferson County. Farmers & Merchants Bank s services include personal checking accounts; savings and individual retirement accounts; commercial banking, Prime Advantage MasterCard and VISA, FMB Visa Check Card, loans, 24-hour banking connection, time and temperature, online banking, insurance and wealth management services. It is a member of FDIC and is a subsidiary of FMB Banking Corporation. Farmers & Merchants Bank has multiple branch locations throughout Florida, including Monticello.