Savings Rates*

Account Rate
$0.00 – $499.99 0.00%
$500 – $2,499.99 0.15%
$2,500 – $4,999.99 0.25%
$5,000 – $14,999.99 0.35%
>$15,000 0.50%


HSA Today

Welcome To Your HSA Custodian Website

Farmers & Merchants State Bank is proud to offer you a Health Savings Account through HSAToday®, the nation’s most service-driven HSA solution.

As you are probably aware, HSA funds must be held by an authorized Trustee or Custodian. Farmers & Merchants State Bank is honored to serve you in that role. In searching for the most feature-rich and service-driven HSA program in the country, we were pleased to discover the HSAToday platform.

Farmers & Merchants is a family owned, independent bank. Our customers know us and we know them, most on a first name basis, and that is the way we like it!! We pride ourselves on fast, friendly, superior customer service.

100 Years of Service To Our Community!

In fact, customer service is our #1 priority and has been for 100 years. There are very few companies in this world that can boast 100 years of service, and we are very proud of that. However, we could not have accomplished that goal without our loyal customers.  Each and every one is important to us.

With Farmers & Merchants, you maintain the relationship you have with your Plan Service Provider and will also receive personal service, attention to detail, and the highest standards of professional excellence from Farmers & Merchants.

We look forward to working with your Plan Service Provider to provide you HSA services that go beyond a simple bank account and put you in control of your health care choices.

For more information on Farmers & Merchants , visit our website at


Member FDIC