Smart financial advice from local experts. Dollars & #ense Why You Should Bank Local You hear big banks advertise their services all over the world, but many consumers don't realize all of the benefits that come with banking local. When it comes to customer service, banking fees and community impact, banking local is the smart choice, and we'll tell you why. Personal Relationships Because local banks have less customers than your average megab- ank, employees have the chance to form deeper relationships with the people they serve. They also may be your neighbors, former class- mates, and sometimes even family, because your hometown is their hometown, too! Convenient Services Big banks suggest they have more choices and services, but most local banks offer those exact services, too. Farmers & Merchants Bank & Trust's eBanking services - Online Banking, Bill Pay, Mobile Banking, and Mobile Deposit - are easy-to-use financial management tools for individuals and families. Own or manage a small business? FMBT has business eBanking that can help your business run more efficiently, too! Local Impact Local banks understand the unique circumstances of living and working in your community, and therefore are able to invest in small, local businesses in a way that bigger banks can't (or won't) When local businesses thrive, so do the individuals and families that work for them, which makes for a better community for everyone. Lower Fees Overdraft, ATM, and other banking fees are increasing among megabanks as time goes on. Research shows that local banks offer more free accounts to their customers as well as charge fewer fees compared to big banks. Customer Service Megabanks, just like any big business, have lots of customers to help. You might find yourself with a question or concern but end up waiting on hold for hours. Local banks are dedicated to providing their customers with convenience and satisfaction, so you'll never feel like just a number. Involvement in the Community When it comes to giving back and community involvement, local banks are there. Customers feel a sense of satisfaction knowing the business they support gives back and cares about others. FMBT loves supporting youth sports and educational programs, including the long-running Hi-a program. These often-unknown benefits of banking local are important for consumers to hear about. Community banks want what's best for YOU. Contact Farmers & Merchants Bank & Trust at 715-735-6617 or at www.fmmarinette.com with any questions, and take a step in the right direction by banking local today! - TARMERS & IlMERCHANTS BANK & TRUST O FDIC Mene Downtown Marinette 1644 Ludington St. 715-735-6617 Marinette Branch 2811 Roosevelt Rd. Crivitz Branch 114 $. Hwy 141 715-854-7445 715-732-4411 www.fmmarinette.com Smart financial advice from local experts. Dollars & #ense Why You Should Bank Local You hear big banks advertise their services all over the world, but many consumers don't realize all of the benefits that come with banking local. When it comes to customer service, banking fees and community impact, banking local is the smart choice, and we'll tell you why. Personal Relationships Because local banks have less customers than your average megab- ank, employees have the chance to form deeper relationships with the people they serve. They also may be your neighbors, former class- mates, and sometimes even family, because your hometown is their hometown, too! Convenient Services Big banks suggest they have more choices and services, but most local banks offer those exact services, too. Farmers & Merchants Bank & Trust's eBanking services - Online Banking, Bill Pay, Mobile Banking, and Mobile Deposit - are easy-to-use financial management tools for individuals and families. Own or manage a small business? FMBT has business eBanking that can help your business run more efficiently, too! Local Impact Local banks understand the unique circumstances of living and working in your community, and therefore are able to invest in small, local businesses in a way that bigger banks can't (or won't) When local businesses thrive, so do the individuals and families that work for them, which makes for a better community for everyone. Lower Fees Overdraft, ATM, and other banking fees are increasing among megabanks as time goes on. Research shows that local banks offer more free accounts to their customers as well as charge fewer fees compared to big banks. Customer Service Megabanks, just like any big business, have lots of customers to help. You might find yourself with a question or concern but end up waiting on hold for hours. Local banks are dedicated to providing their customers with convenience and satisfaction, so you'll never feel like just a number. Involvement in the Community When it comes to giving back and community involvement, local banks are there. Customers feel a sense of satisfaction knowing the business they support gives back and cares about others. FMBT loves supporting youth sports and educational programs, including the long-running Hi-a program. These often-unknown benefits of banking local are important for consumers to hear about. Community banks want what's best for YOU. Contact Farmers & Merchants Bank & Trust at 715-735-6617 or at www.fmmarinette.com with any questions, and take a step in the right direction by banking local today! - TARMERS & IlMERCHANTS BANK & TRUST O FDIC Mene Downtown Marinette 1644 Ludington St. 715-735-6617 Marinette Branch 2811 Roosevelt Rd. Crivitz Branch 114 $. Hwy 141 715-854-7445 715-732-4411 www.fmmarinette.com