Can't make it to the bank during business hours to drop off your deposits? We've got you covered! Many of our First Farmers & Merchants Bank branches are equipped with a 24 hour night depository. The night depository is located on the outside of the branch and the deposits are dropped securely inside the building. The night depository is then opened each morning by the bank staff and your deposit is processed. Contact your local bank branch and ask them about the night depository service.