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Farmers & Merchants National Bank

Privacy Policy

Rev. Date 09/20

FACTS
WHAT DOES FARMERS & MERCHANTS NATIONAL 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
  • Income
  • Account balances
  • Payment history
  • Transaction history
  • Credit history
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 customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Farmers & Merchants National Bank chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information Does Farmers & Merchants National 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
No We don't share
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 non-affiliates to market to you No We don't  share
QUESTIONS? Call toll-free 1-888-445-8574 or 618-327-4401 or go to www.bankwithfmb.com
WHAT WE DO
How does Farmers & Merchants National 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 National Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account 
  • Apply for a loan
  • Provide employment information
  • Make a wire transfer
  • Show your driver's license
We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.)
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • Farmers & Merchants National Bank has no affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Farmers & Merchants National Bank does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Farmers & Merchants National Bank does not jointly market.
OTHER IMPORTANT INFORMATION
For Illinois Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing - without your authorization. 
 
If you would like to request a paper copy of this notice, please call 618-327-4401.