Joy: 309-584-4146 | Paxton: 217-379-4343 |

Online Banking

Rusty gates open to wheat and in the distance canola crops and livestock grazing fields.


Online Banking

Internet Banking

If you have access to the Internet, you have access to your account. Pay bills and track expenses 24/7, whether you’re at home or on the road. You’ll find online banking is a breeze to use, great for budgeting and tracking expenses, and guaranteed safe and secure.

  • Snapshot – Get an overview of your online banking accounts in a compact, simplified format. The Snapshot tab presents account information and functions all on one screen.
  • Account Alerts – Receive an email whenever an item has been presented for payment, when your balance has reached a certain threshold or when a deposit has been made to your account.
  • Statements – View check images and statements online, or save the files to your computer. Remember to be safe online and never email your account information, including check images.
Online Bill Pay

Online Bill Pay is the fastest and easiest way to pay bills – and it’s secure. Plus you’ll save money on postage, and the time it takes to write checks.

  • Pay almost any bill online: utility payments, credit cards, loans and more
  • Receive e-bills instead of paper bills
  • Schedule automatic payments of mortgages and other recurring bills
  • Make one-time online payments for special purchases
  • See your bill history and all pending electronic bill payments at a glance
  • Set up online bill payment reminders to help you pay on time, every time
Money Manager

Have accounts at other financial intuitions? Credit cards? Investments or loans? Money Manager allows you to view all of your account balances in one place and has robust budgeting tools to help you track your income, expenses and net worth.

Mobile Banking

Mobile Browser

Access your bank account information from any Internet-enabled mobile device. Simply go to the bank’s website from your device and you will automatically be directed to the mobile banking site. Use your existing online banking user ID and password to log in.  You’ll be able to:

  • See account balances and transaction activity
  • Make transfers between Farmers-Merchants accounts
  • Initiate bill payments (adding, changing or deleting bill payment payees must be done through online banking)
  • Find the nearest branch location
Mobile App with Remote Deposit

Our mobile app is available for iPhone, iPad, Android phone and Android tablets. Search the app store for Farmers-Merchants Bank of Illinois, download the app and use your existing online banking user ID and password to log in. You’ll be able to do anything through the app that you can do online! Plus, you can even make deposits with your mobile device with just a few taps.

Mobile check deposit is available to individuals and sole proprietors; some restrictions apply. See the mobile banking terms and conditions.

Other Services

Mastercard® Debit Cards

Farmers-Merchant Bank of Illinois debit cards feature EMV™ chip technology for greater fraud protection, built right into the card. Whenever your chip card is used with a chip-enabled terminal, a unique one-time code is generated for your purchase to be approved. This code makes it nearly impossible for counterfeit cards to be created, so you can shop with confidence.

Gift Cards

Farmers-Merchants Bank of Illinois gift cards are available for everyone, for every occasion. Choose a card design and load from $10 to $1,000 to your card. Gift cards can be used domestically wherever debit cards are accepted. Gift cards are issued by Metabank®, Member FDIC.

Safe Deposit Boxes

Safe deposit boxes are available at the Joy, Paxton, Piper City and Melvin locations. Available sizes vary by location. *Safe Deposit Boxes contents are not covered by the FDIC.

Cashier’s Checks

Farmers-Merchants Bank of Illinois offers cashier’s checks to meet your funding needs.

Night Deposit

Night Deposits are available at our Joy, Paxton, Piper City, Melvin and New Boston locations.

License Plate Renewal Stickers

Renew your State of Illinois license plate sticker at the Joy, Paxton and Piper City locations.

Wire Transfers

Wire transfers are available to Farmers-Merchants Bank of Illinois customers. Please contact the Joy office at (309) 584-4146 or Paxton at (217) 379-4343 to arrange for an incoming or outgoing wire transfer.

Savings Bonds

Farmers-Merchants Bank of Illinois offers the redemption service for U.S. Savings bonds.