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Annual Privacy Notice

Farmers & Merchants Bank Privacy Notice[*]

click here to download a pdf version

FACTS

WHAT DOES FARMERS & 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 product or service you have with us.  This information can include:

§  Social Security number and income

§  Account balances and payment history

§  Wire transfer instructions and overdraft 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 Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does Farmers & 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

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 our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share


Who we are

Who is providing this notice?

Farmers & Merchants Bank


What we do

How does Farmers & Merchants 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 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

§  Make deposits or withdrawals from your account

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.


Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

§  Farmers & Merchants Bank does not share with our affiliates

Nonaffiliates

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

§  Farmers & Merchants Bank does not share with our 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 Bank doesn’t jointly market

All F&M Bank Certificates of Deposit are subject to penalties for early withdrawal.
Money Market accounts are limited to six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Exceeding these limitations may result in transfer of your account to one that pays no interest. A separate application and agreement are required for an ATM card, Online Banking, and Bill Pay privileges. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Home equity lines of credit are available for both primary residence and second home locations. The plan has a variable rate feature. The index is the prime rate as published in the Wall Street Journal with a minimum floor rate of 4.750%. Maximum combined loan to value is 55.00% with line amounts available up to $500,000. All loans require credit approval. Terms and conditions may vary. Consult your tax advisor regarding deductibility of interest.
All loans require credit approval. Terms and conditions may vary.
Please be advised that without the loan number and signature, there may be a delay in processing your request.
All loans require a separate application and credit approval.
Business interest on checking accounts is available to sole proprietors and non-profit entities only. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Credit card applicant(s) require a business deposit account relationship with F&M.  All credit card programs require credit approval.  Full program details are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
All loans are subject to credit approval.
Online Banking requires a Business Checking account. A separate application and agreement are required for Online Banking, Cash Management Services, or Bill Pay privileges. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. A separate application and agreement are required for Online Banking and Bill Pay privileges. Transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Online Banking requires a Business or Personal account with F&M Bank. A separate application and agreement are required for Online Banking, Cash Management, and Bill Pay services. Transfers between accounts will be processed immediately if requested by 6pm. All other transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Some exclusions may apply.
The following Privacy Notice applies to Farmers & Merchants Bank customers only.
Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.
Subject to credit approval, certain restrictions and limitations may apply.
No Closing Costs to the consumer for lines of $250,000.00 or less on refinance transactions. Loan amounts over $250,000.00 and all purchase transactions, third party or related origination costs to be paid by Borrower.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Passbook, iSight, and Touch ID are trademarks of Apple Inc.
F&M Bank does not charge you a fee for using the F&M Credit Card Alerts service. However, your wireless carrier may charge you for receiving a text message or phone call from us related to this service.
Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Coverage appdivcable for F&M Visa Platinum® Credit Card.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Passbook, iSight, and Touch ID are trademarks of Apple Inc.
F&M Bank does not charge you a fee for using the F&M Credit Card Alerts service. However, your wireless carrier may charge you for receiving a text message or phone call from us related to this service.
Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.