Privacy Notice

The Board of Directors, management and staff, of the Farmers Bank of Willards are committed to respecting the privacy of our customers’ financial information. Since our customers furnish sensitive information to us, they need to know that we have enacted a policy as well as appropriate security to guard their personal and financial information. The Farmers Bank of Willards does not sell our customers list or any individual customer information.

Information Necessary to open Accounts
In order to establish accounts for you the bank is required to obtain your full legal name, as well as any alias you have used, address, both physical and mailing, social security number, phone number, employment information, and date of birth. If you are requesting a loan account additional information is required pertaining to your income, assets and liabilities, along with any other credit report type information that may be necessary. The bank maintains all information obtained from loan applications, notes form telephone conversations, copies of credit reports and other asset and liability reports that you would submit to the bank. The bank keeps information related to your account balances, transactions, debit card purchases, credit history and loan repayment histories. In accordance with both Federal and State Regulatory Banking Laws, the bank is committed to meeting all legal requirements that will protect you against fraud and providing efficient customer service. The bank uses information to better meet the financial needs of you, your family and your businesses.

We are committed to protecting consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. All of our bank employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding customer information.

Sharing Information with Service Providers
The bank’s strict Privacy Policy prohibits us from disclosing your personal information to any third party, except as mandated by law. The bank will selectively share information with service providers such as check printers, data processors, credit reporting agencies and check verification services, all of which assist us in delivering products to you. Any adverse loan history, such as missed or late payments or defaults on loan accounts will be reflected on your credit report. The bank does not share any collected information with any marketing firm or other financial institution unless specifically authorized by a customer.

Medical Information
The Farmers Bank of Willards does not disclose any medical information, health insurance or any other insurance information unless specifically authorized in writing by the customer to do so.

Online Privacy, Security and Encryption
In addition to standard firewalls and encryption technology, the bank has additional security processes in place to safeguard your personal information. The information provided via the web site is submitted within a secure session. These sessions utilize Secure Socket Layer (SSL) technology in order to ensure that the information is encrypted. We collect and use the information you provide us online to respond to your needs, service your accounts, and provide online banking services. We do not collect personally identifiable information about you unless you voluntarily and knowingly provide us with that information through email or online applications. If you provide us with this information, it is only used internally and in furtherance of the purpose for which it was provided.

Use of ‘Cookies’ on the Farmers Bank of Willards web site
While visitors to our web site(s) remain anonymous, we do occasionally utilize ‘cookies’ to provide a more valuable experience. Such cookies are used only for general marketing purposes, such as when conducting surveys or determining the number of visitors to specific web pages.

A cookie is a small text file sent by a web server and stored on your hard drive in your browser. Cookies cannot ‘read’ information about you from your computer or be used to ‘steal’ information about you; cookies do not carry viruses and are not programs that can perform functions on your computer. Most browsers will allow you to disable cookies, or can be set to notify you when you receive a cookie, thus giving you the opportunity to decide whether or not to accept it.

ID’s and Passwords
To access certain online services, you will need a User ID and a Password. This information may either be provided to you or you will be allowed to choose your own. The User ID and Password are designed to protect you by confirming your identity to our computer network systems, and are to be kept confidential. Our employees do not have access to your password. It is very important that you not share this information or allow a computer to ‘remember’ your password, particularly if you are using a computer with public access such as one located in a library or a college computer lab. For additional security, you may be required to change your password from time to time.

Email by nature, is generally not secure and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information via email to us. However, should you request that we send your account information via email, we will need to confirm your identity before any such information is released. Information provided via email will be maintained by us in order to comply with legal and regulatory requirements.

Links to Other Web Sites
The Farmers Bank of Willards works with a number of other companies to ensure that we are providing the value and service you expect. These parties often have their own privacy policies, and may have online collection policies that differ from ours. You will see a disclosure on our site that alerts you when you are leaving our web site. Although we encourage these parties to adopt and follow privacy procedures, we are not responsible for their use of your personal information and our Privacy Disclosure does not cover their information practices. Therefore, for your protection, we recommend that you review the privacy notices provided on their web sites.

At the Farmers Bank of Willards, we value your relationship, and we work diligently every day to honor the trust you place in us. Customers having questions regarding our Privacy Disclosure may contact us by mail addressed to our Compliance Officer, 31522 Winterplace Parkway, Salisbury, MD 21804 or 24 hour customer service phone at 410-835-8457 or e-mail us at We remind customers that email is NOT secure.