Privacy Policy

WHAT DOES MERCHANTS & FARMERS BANK & TRUST CO DO WITH YOUR PERSONAL INFORMATON?

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 Account Balances
  • Payment and Credit History
  • Overdraft History
  • Wire Transfer Instructions
When you are no longer our customer, we continue to share your personal 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 Merchants & Farmers Bank & Trust Co chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Merchants & Farmers Bank & Trust Co 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 do not share

For joint marketing with other financial companies 

No

We do not share

For our affiliates’ everyday business purposes    information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes information about your creditworthiness

No

We do not share

For nonaffiliates to market to you

No

We do not share

WHAT WE DO

How does Merchants & Farmers Bank & Trust Co 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees from whom access is appropriate.
How does Merchants & Farmers Bank & Trust Co collect my personal information?
We collect your personal information, for example, when you
  • Open an account or Apply for a loan
  • Use your credit or debit card
  • Make deposits or withdrawals from your account
  • 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.

DEFINITIONS

Affiliates
Companies related by common ownership or control.  They can be financial and non-financial companies.
  • Merchants & Farmers Bank & Trust Co does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control.  They can be financial and non-financial companies.
  • Merchants & Farmers Bank & Trust Co 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 and services to you.
  • Merchants & Farmers Bank & Trust Co does not jointly market.

QUESTIONS?

Call 337-239-6504