Farmers & Merchants Bank Routing Number: Complete Guide

What is the Farmers & Merchants Bank routing number?

Farmers & Merchants Bank uses routing number 122234149 for ACH transfers and direct deposits. Founded in 1907, Farmers & Merchants Bank is one of the largest independently owned banks in the United States, with branches primarily in California.

The name Farmers & Merchants is common among community banks nationwide. This routing number specifically applies to Farmers & Merchants Bank of Central California. If you bank with a differently named F&M Bank, verify your routing number through your own institution.

How to find your Farmers & Merchants routing number

Your routing number is printed at the bottom-left corner of your Farmers & Merchants Bank checks. The first nine digits represent the routing number, followed by your account number and check number.

You can also find your routing number by logging into online banking or the mobile app. Navigate to account details to view the routing number alongside your account information.

Farmers & Merchants Bank wire transfers

To send or receive a domestic wire transfer, you will need the Farmers & Merchants Bank routing number, your account number, and the name on the account. Visit your branch or contact customer service to initiate a wire transfer.

International wire transfers require a SWIFT code along with the domestic routing number. Contact Farmers & Merchants Bank for current SWIFT details, processing times, and fees for international transactions.

Farmers & Merchants direct deposit

Set up direct deposit by providing your employer with routing number 122234149 and your Farmers & Merchants checking account number. Direct deposits are generally available by the morning of your scheduled pay date.

You can also use these details to receive tax refunds, government benefits, pension payments, and other ACH deposits. Farmers & Merchants Bank supports both personal and business direct deposit arrangements.

Business banking with Slash

Farmers & Merchants Bank has served California businesses for over a century with traditional banking services. For companies seeking a modern, digital-first approach, Slash offers full ACH and wire support, unlimited virtual cards, real-time expense tracking, and up to 2% cashback.

While Farmers & Merchants excels at relationship-driven banking, Slash is built for businesses that need automated financial operations — including multi-user access, granular spend controls, and native accounting integrations.