Privacy Policy

FACTS

WHAT DOES FARMERS AND MERCHANTS 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 products or services you have with us.  This information can include:

  • Social Security Number
  • Payment History
  • Credit History
  • Mortgage rates and payments/li>
  • Checking account information
  • Wire transfer instructions

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 and Merchants Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Farmers and Merchants 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 affiliate’s everyday business purposes –

information about your transactions and experiences

No

We don’t share

For our affiliate’s everyday business purposes –

information about your creditworthiness

No

We don’t share

For our affiliates to market to you

 

No

We don’t share

For nonaffiliates to market to you

 

No

We don’t share

Questions?

Call 410-833-6600 or go to www.fmb1919.com

What we do

How does Farmers and Merchants 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 and Merchants Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Give us your contact 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 nonaffiliates 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 and Merchants Bank does not share with our affiliates

Nonaffiliates

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

  • Farmers and Merchants 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 and Merchants Bank doesn’t jointly market.

Other Important Information

For Maryland Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

Edit External Link Disclaimer

External Link Disclosure

By accessing this link, you will be leaving Farmers and Merchants Bank's web site and entering a web site hosted by another party. Although Farmers and Merchants Bank has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Farmers and Merchants Bank's web site. The other party is solely responsible for the content of its web site. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of Farmers and Merchants Bank.

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