Intro – Farmers and Merchants Bank Review & Ranking


Farmers and Merchants Bank was recently ranked and reviewed by AdvisoryHQ as a top rated bank.  

Firms on our top rated lists were selected after they successfully passed AdvisoryHQ's ground-breaking four-step banks and credit unions selection methodology

Click here for a step-by-step breakdown of our methodology process and selection process: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.

Below we have provided a detailed review of Farmers and Merchants Bank, including the specific factors we used in our decision-making process.


Farmers and Merchants Bank Review


With locations throughout Georgia including Conyers and Valdosta, Farmers and Merchants Bank (FMB) has a long history of serving the consumers of the area. Since 1907, FMB has been providing high-quality, community-based service and excellent products to local residents.

While the bank relies on many traditional concepts in terms of how they treat customers, at the core of everything they do is the conviction to continually strive to be the best of the best, even as times and technology are constantly evolving.



Key Factors Considered When Ranking This Bank as a Top Bank

Listed below are details of some of the many reasons Farmers and Merchants Bank was selected as one of the leading banking firms.

Advantage Elite Checking (Farmers and Merchants Bank Review)

One of the checking account options available from FMB is the Advantage Elite account, which requires a $1,000 minimum balance to open.

As long as the daily balance remains at $1,000 or above, there are no fees charged to account holders, and they will also earn an annual percentage yield.

When the balance remains above $1,000, no debit transaction charges are levied; you can also qualify for opportunities to earn additional interest.

This happens by maintaining one ACH deposit per statement cycle, receiving e-Statements, or a combination of these things.

The GO ANYWHERE Debit Card connected to the Advantage Elite accounts can be used at any bank ATM four times per month free of charge.

FMB Mobile App (Farmers and Merchants Bank Review)

FMB recently announced the launch of a newly updated website and mobile app for iPhone and Android devices.

The new mobile app offers features like those from Online Banking, including checking and savings transactions and bill pay, as well as same-day transfers between accounts.

In addition to these features, the FMB mobile app also lets users add accounts from other credit card companies and financial institutions, and categorize and organize transactions with the use of tags. The GPS on a mobile device can also be used to show users the closest FMB office or ATM location.

Farmers and Merchants Bank Review

Photo courtesy of: Farmers and Merchants Bank

Calculators (Farmers and Merchants Bank Review)

This leader among top banking firms streamlines access to many financial calculators that can help consumers and customers learn more about their finances, plan for the future, and make empowered decisions with their money.

Some of the financial calculators available on the FMB website include:

  • General loan calculator
  • Mortgage calculator
  • Auto loan calculator
  • Retirement income calculator

Real Estate (Farmers and Merchants Bank Review)

Due to foreclosures, FMB owns many properties, and they are currently being offered for sale, generally at very low prices.

FMB has made it easy for both customers and non-customers to search and discover the bank-owned properties for sale through the real estate section of their website.

Users can search properties based on a broad range of criteria, ranging from neighborhood to address, or more general information, such as the desired number of bedrooms or bathrooms.


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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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