Welcome to Merchants & Farmers Bank Online Banking!

Merchants & Farmers Bank Online Banking gives you immediate access to your account information 24/7 from your home or office computer. Merchants & Farmers Bank Online Banking combines convenience and flexibility while you easily conduct a wide range of personal or business banking transactions.

With Merchants & Farmers Bank Online Banking, you can:

• Review your deposit account information, including statements and check images
   
• Pay your bills online through our innovative Bill Payment product
   
• Review your loan account information
   
• Make transfers between your accounts
   
• Download your account information into personal financial management software such as Quicken® or Microsoft Money® to track all of your finances.

ONLINE BANKING DEMO

FIRST TIME USER

BILL PAY DEMO

FREQUENTLY ASKED QUESTIONS
Q. Is there any special software required?
A. No. Just an internet browser that supports 128 bit encryption. The following browsers are all acceptable:

For Windows:
Internet Explorer 6.0 or higher
Netscape Navigator 6.1 or higher
Mozilla Firefox 1.0 or higher
Opera 7.54 or higher

For Mac OS X:
Netscape Navigator 7.0 or higher
Mozilla Camino 0.8.1 or higher
Safari 1.0 or higher
Mozilla Firefox 1.0 or higher
Opera 7.54 or higher

Q. Is Online Banking secure?
A. Yes. Besides using 128-bit encryption, Merchants & Farmers Bank online banking is built with several additional safeguards to ensure your account information remains secure. Should someone attempt to access your account portfolio using an incorrect password more than three times, Merchants & Farmers Bank will lock out the entire session from use. The lockout can only be cleared by a Merchants & Farmers Bank employee. Should you forget to logout of Online Banking, your session will automatically be terminated after 20 minutes of no activity. We also utilize a layered security program that identifies your PC using more than 30 different characteristics.

Q. What if my ACCESS ID and/or PASSWORD don’t seem to work?
A. There are a couple solutions to this problem. The most common issue is the placement of your CAPS LOCK key. Your ACCESS ID and PASSWORD are case sensitive. The second most common issue is a complete lock-out of your account. If you weren't sure of your PASSWORD, and began guessing or didn't realize that you were entering your PASSWORD in the wrong case, you had only three chances to get it right. As a security feature, we lock-out all accounts if an incorrect PASSWORD is entered on the third attempt. The only way to reset a lock-out is to send us an e-mail using the "contact us" section of this website or calling (205) 372-3391 during regular business hours.