Will my account number stay the same?

Your account numbers will remain the same. In the unlikely event a change is needed, you will be notified well in advance, and we will handle the details.

What will happen to the current Wisconsin River Bank branches?

You will be able to continue to visit and call the same people you already work with and trust to get assistance with your banking needs. The phone numbers for offices in Janesville, Lodi and Sauk City will remain the same, so feel free to contact your existing Relationship Banker; they will be available to answer any additional questions you have.

Will location hours change?

No, there are no changes in hours at any of our locations. For up-to-date hours and locations listing, visit our locations and hours page.

When will I be able to use all Farmers & Merchants Union Bank locations?

Currently, in addition to the offices in Janesville, Lodi and Sauk City, you can visit the main office in Downtown Columbus or the office in Rio for all your banking needs.

Following the conversion on August 16, 2025, you will be able to visit any of our nine convenient locations.

What is Farmers & Merchants Union Bank's routing number?

Farmers & Merchants Union Bank's routing number is 075902670.

BUT you should not start updating any of your payments or deposits until after the August 16 conversion date to avoid any delays.

Will I be able to continue using my Wisconsin River Bank checks?

Your current checks will continue to be valid until you need to reorder. When you are out of your current supply, you can order new checks as you normally would. Any check orders placed on or after August 18, 2025 will be updated to include Farmers & Merchants Union Bank's routing number if order at one of the bank's locations. If you order on your own from another vendor, please make sure you update the routing number following the conversion.

I have direct deposits into my Wisconsin River Bank account. Do I need to inform my employer or Social Security of a change to my accounts?

After the conversion to Farmers & Merchants Union Bank on August 16, your direct deposits (including payroll, Social Security and/or other ACH deposits) will be credited to your new Farmers & Merchants Union Bank account automatically - you do not need to do anything for existing direct deposits set up.

You will only need to change the routing number for direct deposits when setting up new electronic transfers AFTER August 16, 2025.

What about my automatic payments, do I need to do anything different for those?

Your automatic payments set up via ACH will work the same as direct deposits; any ones that you currently have set up to pay from your current Wisconsin River Bank account will debited from your new Farmers & Merchants Union Bank account following the conversion on August 16, 2025 - there is nothing that you need to do for existing payments that are set up.

If you set up any auto pays from your Farmers & Merchants Union Bank account AFTER the conversion on August 16, you will need to update those payments with Farmers & Merchants Union Bank's routing number.

What will happen with my debit card?

You will receive a new debit card around August 1, 2025. When you receive this card, please activate it. Then you can start using it anytime after 8 am on August 18.

There will be additional information about Farmers & Merchants Union Bank's debit cards and their features with the new cards when they arrive in the mail. If you do NOT receive your new card by August 4, 2025, please contact your closest Farmers & Merchants Union Bank location for assistance.

Will my debit card PIN change?

It can but it doesn't have to. When you receive your new Farmers & Merchants Union Bank debit cards, there will be instructions attached to the card on how to activate it. During this activation process, you will be able to choose a PIN - it can be the same as your Wisconsin River Bank card if you wish. Just remember, your PIN should be something easily remembered by you, but not easily guessed by someone else.

What will happen to my IRAs and CDs?

Your rates and terms will remain the same for IRAs and CDs through maturity. At maturity, you will have the option of renewing at the rates and terms being offered at that time.

How do I make my loan or other payments?

You loan numbers will remain the same. If, in the unlikely event a change is needed, you will be notified well in advance.

If you currently write a check for your loan, you can make your checks payable to Farmers & Merchants Union Bank  (or FMUB for short) moving forward. If you have your payments set up via ACH or direct account transfer, that will continue to work as normal - there is nothing you need to do.

How will I access my accounts through mobile banking?

Your Wisconsin River Bank mobile banking app will go to inquiry only at 4 pm on Friday, August 15, 2025 and remain in inquiry only until 8 am on August 18. The cut-off time for mobile deposits will be 1 pm on August 15, 2025. The cut-off time for mobile transfers is 4 pm on August 15. The Wisconsin River Bank mobile app will no longer work on August 18, 2025.

Starting on August 18, 2025, you can download the Farmers & Merchants Union Bank mobile banking app through the Apple App or Google Play store and log-in with the same credentials you currently use.

Please note that prior statements will be available in FMUB Mobile and online banking within 30 days. Contact your banker if you need assistance with prior statements.

How will I access my accounts through online banking?

Your Wisconsin River Bank online banking will go to inquiry only at 4 pm on Friday, August 15, 2025 and remain that way until August 18, 2025 at 8 am. Farmers & Merchants Union Bank's online banking will be available starting August 18, 2025.

Starting on August 18, you be able to visit fmub.bank and log-in to personal online banking with the same credentials you currently use.

Please note that prior statements will be available in FMUB online banking within 30 days. If you need assistance with your prior statements, contact your banker.

Will I be able to view my transaction history in online banking?

We recommend that you download and save information prior to August 15, 2025. A final paper statement reflecting account activity up to the conversion date will be mailed to you. This will be mailed even if you currently receive eStatements - make sure we have the correct address on file for you. This final statement will be available in FMUB's online and mobile banking systems for you to access within 30 days.

What will happen to my Quicken, Quickbooks or other third-party app connection?

Once the online banking platform changes to Farmers & Merchants Union Bank on August 18, you will need to re-establish the connection between online banking and your third-party applications such as Quickbooks - this will not happen automatically.

Will my bill payment vendors transfer to Farmers & Merchants Union Bank Bill Pay service?

Unfortunately, no. Once the online banking platform changes to Farmers & Merchants Union Bank on August 18, your bill payment vendors will need to be re-established. You will want to make note of the vendors as this information will be unavailable on August 15, 2025. If you need assistance with this, our bankers are here to help.

Will my deposits still be FDIC-insured?

YES! Your deposit accounts will continue to be insured by the FDIC. The standard FDIC insurance amount is $250,000 per depositor, per insured bank, for each ownership category.

Who should I contact with additional questions?

You can call the same people you already work with and trust. The phone numbers will remain the same, so feel free to contact your existing Relationship Banker; they will be available to answer any questions you may have.