Facts
WHAT DOES Farmers & Merchants State Bank DO WITH YOUR PERSONAL INFORMATION?
WHY?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Account balance and payment history
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
HOW?
All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Farmers & Merchants State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Farmers & Merchants State Bank share?
Can you limit this sharing?
For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes to offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We don't share
For our affiliates' everyday business purposes information about your transactions and experiences
No
We don't share
For our affiliates' everyday business purposes information about your creditworthiness
No
We don't share
For nonaffiliates to market to you
No
We don't share
Questions?
Call toll free at 1-888-478-3007 or go to www.fandmstbk.com
Who We Are
Who is providing this notice?
Farmers & Merchants State Bank
What we do
How does Farmers & Merchants State Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Farmers & Merchants State Bank collect my personal information?
We collect your personal information, for example, when you
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use of debit or credit card
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes - information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Farmers & Merchants State Bank does not share with our affiliates to market to you.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Farmers & Merchants State Bank does not share with non-affiliates to market to you.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Farmers & Merchants State Bank does not jointly market.
