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General Website Terms and Conditions

Important Notice
Please read the following terms and conditions carefully. When you access and use the Farmers & Merchants Bank of Long Beach ("Bank") website, you indicate your acknowledgement and acceptance of the terms and conditions below. This website and/or the terms and conditions of its use, may change without any prior or subsequent notice to the user.

Hyperlinks
Hyperlinks to other Internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources may not be investigated, verified, or monitored by the Bank, and such links are not endorsed by the Bank unless otherwise specifically stated.

E-mail
E-mail is not an entirely secure form of communication. It is recommended that you do not send e-mails containing any personal, private or sensitive information you would not want viewed by a third party. It is also suggested that you do not send an e-mail that includes account numbers, mother′s maiden name, user id′s or passwords.

Products and Services
This website, and the products and services that are described or offered through the website, can be amended in whole or in part or terminated at any time. Users of the website shall have no right to expect the continuation of any part of the website nor any products and services that are described or offered through the website. Some products and service may not be available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by the Bank.

Submissions
All information submitted by you via this website may be used by the Bank in any manner that complies with the applicable laws and regulations, and, the policies of the Bank.

No Warranties
All express and implied warranties are expressly excluded and disclaimed. Without limiting the generality of the preceding sentence, the Bank disclaims any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. The information and materials contained as part of this site are provided on an "as is" and "as available" basis. The Bank does not warrant the accuracy, adequacy or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials.

Limitation of Liability
In no event shall the Bank be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages,) losses or expenses arising in connection with the website, the use of the website, or the inability of anyone to use the website. The Bank shall also not be liable for any damages, losses or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure. The Bank shall not be liable for such damages, losses or expenses even though it or its representatives are advised of the possibility of such damages, losses or expenses.

Copyright
The Bank or a third party vendor owns the copyright to the pages and the screens displaying the pages that appear on this website.

Trademarks and Service Marks
The Bank or a third party vendor owns the claim trademark and service mark rights in marks contained in the pages.

No Waiver
No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of the Bank, and no waiver shall be deemed to imply or constitute a continuing waiver or a waiver of any other term or condition.

Governing Law
The laws of the State of California govern these terms and conditions.

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.