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FARMERS AND MERCHANTS BK
P O BOX 190
Routing Number 103104816
Banks in the US are issued a 9 digit routing number. This nine-digit code is issued by the Federal Reserve to identify each financial institution. The routing number is necessary to identify each bank that operates on a network. A routing number is used to carry out checking account transactions and wire transfers. The routing number can be easily located on your check. The routing number used for checking, savings and money market accounts will identify the financial institution where the account was opened and is located.
Where to find the routing number on a paper check
The routing number can be found at the bottom of a check. It is often the first set of numbers on the left and on others checks it follows the bank account number or check number. The routing number will always be a set of 9-digit numbers.
A routing number will be needed when conducting a variety of situations which may include setting up recurring transfers such as bill payments and setting up direct deposits.
For the most part a routing will only be needed when transferring money to or from your bank, such as when you file your taxes to receive a tax refund. You will also need it when you set up Automated Clearing House (ACH).