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Privacy Policy

What does Farmers Bank of Willards do with your personal information?

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
  • Payment history
  • Credit history
  • Overdraft history
  • Checking account information
  • Employment information

When you are no longer our customer, we continue to share your information as described in this notice.

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.

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 Bank of Willards chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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.
Does Farmers Bank of Willards share? – Yes
Can you limit this sharing? – No

For our marketing purposes – to offer our products and services to you.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

For joint marketing with other financial companies.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

Our affiliates’ everyday business purposes – information about your transactions and experiences.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

For our affiliates’ everyday business purposes – information about your creditworthiness.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

For nonaffiliates to market to you.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

How does Farmers Bank of Willards 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 for whom access is appropriate.

How does Farmers Bank of Willards collect my personal information?

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

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Make a wire transfer
  • 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. See below for more on your rights under state law.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Farmers Bank of Willards has no affiliates.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Farmers Bank of Willards 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 or services to you. Farmers Bank of Willards doesn’t jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

The Farmers Bank of Willards has met all my business needs along with great personal customer service that is hard to find in today’s banking world. The personal touch is important to me.

-Eastern Shore Water

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