Privacy that feels right

FACTS

WHAT DOES F&M 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

  • Credit history and credit scores

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 F&M Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does F&M 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


YES


NO

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 non-affiliates to market to you

NO

WE DON’T SHARE



Questions?

Call 402-372-5331 or toll free at 800 235-5331

Write us at 204 N. Main St., PO Box 266, West Point, NE 68788 Visit our website at www.fmbankne.bank

Who we are

Who is providing this notice?

F&M BANK, main bank located at 204 N. Main St., West Point, NE 68788

What we do

How does F&M 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 F&M BANK collect my personal information?

We collect your personal information, for example, when you:

  • open an account

  • deposit money

  • pay your bills

  • apply for a loan

  • use your credit or debit card


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.

Definitions

Affiliates

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

  • Our affiliates include companies with a common corporate identity of F&M BANK; financial companies such as West Point Bancorp, Inc. and Ambage, Inc. and subsidiary banks.

Affiliates

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

  • F&M BANK does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • F&M BANK does not jointly market.

Other important information


ATTENTION - F&M Bank provides the following links for your information and convenience. F&M Bank does not control nor is it responsible for the content of these sites, nor does it guaranty the product(s) or service(s), or endorse the viewpoint or actions of the site owner. The bank is not liable for any failure of the product(s) or service(s) advertised on the site nor does the bank gain financially by providing these links. The privacy policy may be different from that of the bank. These sites may provide less security than the bank website.