Privacy Policy

Effective October 1, 2000

We recognize and respect your need for privacy and security as you visit our site. When you visit our site to view any pages, read product information, or use our on-line calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

The name of your Internet service provider.

The web site that referred you to us (if any).

The date and time the pages were accessed.

The page or pages you requested.

There are instances where you may elect to provide us with personal information. We collect nonpublic personal information about you from the following sources:

If you fill out one of our feedback or request forms or send us email, you are transmitting the information that appears to you in the form or the message. This will typically include information like your name, mailing address, email address, the kind of request you are making, and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself. And this is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization, except as permitted by law.

Information about your transactions with us, our affiliates, or others; and

Information we receive from a consumer reporting agency.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

When you submit personally identifying information via one of our application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted back to our web site. This effectively prevents anyone from intercepting and reading any personal information about you. Note that this encryption does not take place if you send us email or use our feedback form, but only when you use your web browser with one of our site's application forms.

We hope you find our website useful and informative and are always willing to answer questions and receive suggestions. If you have either, please e-mail the webmaster at AskFMUB@fmub.com. Thank you.

* We reserve the right to change our privacy policy. A revised policy statement will only apply to data collected subsequent to its effective date. Any revisions will be posted at least 30 days prior to its effective date.

Farmers & Merchants Union Bank is participating in the FDIC's Transaction Account Guarantee Program. All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.