Privacy Policy

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 informationDoes 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 bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesNoWe don't share
For our affiliates' everyday business purposes - information about your transactions and experiencesNoWe don't share
For our affiliates' everyday business purposes - information about your creditworthinessNoWe don't share
For nonaffiliates to market to youNoWe 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

Why can't I limit all sharing?

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 nonaffiliates 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.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Farmers & Merchants State Bank does not share with nonaffiliates so they can market to you

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Farmers & Merchants State Bank does not jointly market