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Website Terms of Use

Welcome to the Farmers & Merchants Bank website. Please read these Terms of Use carefully. By accessing or using this website, you acknowledge and agree to these Terms of Use.

On this page

1. General Information

This website is owned and operated by Farmers & Merchants Bank. The information and services provided through this website are intended for lawful purposes and are subject to these Terms of Use and all applicable federal and state laws and regulations.

These Terms of Use govern use of the Bank’s public website only. Certain accounts, products, digital banking services, and other services are governed by separate agreements, disclosures, applications, and terms provided by the Bank.

If there is a conflict between these Terms of Use and the terms of a specific account, product, or service agreement, the specific agreement will control with respect to that account, product, or service.

2. Information Provided on This Website

Farmers & Merchants Bank makes reasonable efforts to provide accurate and current information on this website. However, information may change without notice and may occasionally contain errors or omissions.

Information provided on this website is for general informational purposes and should not be considered legal, tax, investment, accounting, or other professional advice.

Product availability, interest rates, annual percentage yields (APYs), annual percentage rates (APRs), fees, terms, conditions, eligibility requirements, and other information are subject to change and may be subject to additional disclosures and restrictions.

Please contact Farmers & Merchants Bank for current information before making a financial decision based upon information presented on this website.

3. Account and Product Information

Descriptions of deposit accounts, loans, mortgages, treasury management services, and other products appearing on this website are summaries only.

Opening or maintaining an account or obtaining a product or service may be subject to eligibility requirements, Bank approval, applicable account agreements, disclosures, fee schedules, and other applicable terms and conditions.

Nothing contained on this website constitutes an offer or commitment by Farmers & Merchants Bank to extend credit, open an account, or provide a particular financial product or service.

4. Online and Mobile Banking

Access to Farmers & Merchants Bank’s online banking, mobile banking, electronic funds transfer, bill payment, mobile deposit, treasury management, or other electronic services may be governed by separate agreements and disclosures.

Customers using these services are responsible for maintaining the confidentiality and security of their usernames, passwords, authentication credentials, devices, and other access information.

Never provide your password, PIN, security code, or other confidential authentication information in response to an unsolicited request.

If you believe your account or digital banking credentials have been compromised, contact Farmers & Merchants Bank promptly using the contact information published on our official website or account documentation.

5. Electronic Communications

Certain communications, notices, agreements, disclosures, or records may be provided electronically when permitted by applicable law and when any required consent has been obtained.

Your use of this website alone does not necessarily constitute consent to receive legally required notices or disclosures electronically. Electronic delivery of specific banking disclosures may be governed by a separate Electronic Communications or E-SIGN Consent Agreement.

6. Privacy

Protecting customer information is important to Farmers & Merchants Bank. The Bank’s collection, use, sharing, and protection of nonpublic personal information is governed, as applicable, by our Privacy Notice and other applicable privacy policies and laws.

Please review the Bank’s Privacy Policy for additional information regarding our privacy practices.

7. Cookies and Website Technologies

Farmers & Merchants Bank’s website may use cookies and similar technologies to support website functionality, improve user experience, maintain security, understand website usage, and support other legitimate business purposes.

8. Security

Farmers & Merchants Bank uses administrative, technical, and physical safeguards designed to protect information and the Bank’s systems. However, no website, electronic communication, wireless transmission, or internet-based service can be guaranteed to be completely secure.

You are responsible for taking reasonable precautions within your control when accessing financial services electronically, including protecting your devices and access credentials and using secure internet connections.

Do not send confidential information, including account numbers, Social Security numbers, passwords, PINs, or other sensitive information, through unsecured and/or unsolicited email or other unsecured communication methods.

9. Fraud and Suspicious Communications

Farmers & Merchants Bank will never ask you to provide confidential authentication information such as your complete password or PIN through an unsolicited email, text message, or telephone call.

Fraudulent websites, emails, text messages, telephone calls, or social media accounts may attempt to impersonate Farmers & Merchants Bank.

If you receive a suspicious communication claiming to be from Farmers & Merchants Bank, do not use the contact information contained in the suspicious communication. Contact the Bank using contact information obtained directly from our official website, your account statement, or another trusted Bank source.

10. Third-Party Websites and Services

This website may contain links to websites, applications, products, or services operated or controlled by third parties. When you leave the Farmers & Merchants Bank website, the privacy, security, accessibility, and other policies of the third-party website may differ from those of Farmers & Merchants Bank.

Farmers & Merchants Bank does not control and is not responsible for the content, availability, security, privacy practices, products, services, or accuracy of information provided by third-party websites.

A link to a third-party website does not necessarily constitute an endorsement, sponsorship, or recommendation by Farmers & Merchants Bank.

You should review the privacy policies and Terms of Use of any third-party website before providing personal or financial information.

11. Email and Electronic Messages

Regular email and text messages may not be secure. You should not transmit confidential or sensitive financial information through unsecured electronic communications.

Messages submitted to Farmers & Merchants Bank through secure communication channels should be used in accordance with the instructions associated with those services.

Marketing communications sent by the Bank will be handled in accordance with applicable law and the Bank’s communication practices.

12. Intellectual Property

Unless otherwise indicated, the content of this website, including text, graphics, logos, photographs, designs, icons, software, and other materials, is owned by or licensed to Farmers & Merchants Bank and is protected by applicable intellectual property laws.

Website content may be viewed, downloaded, or printed for personal, noncommercial use, provided that copyright, trademark, and other proprietary notices are not removed.

No website content may be reproduced, modified, distributed, sold, republished, or used for commercial purposes without the Bank’s prior written permission, except as permitted by law.

13. Prohibited Use

You may not use this website to:

  • Violate applicable federal, state, or local law;
  • Attempt to gain unauthorized access to Bank systems, accounts, networks, or information;
  • Introduce viruses, malware, malicious code, or other harmful technology;
  • Interfere with the operation or security of the website;
  • Impersonate another person or misrepresent your identity;
  • Attempt to obtain confidential information without authorization; or
  • Use automated systems to access or extract information in a manner that interferes with the website or Bank systems.

Farmers & Merchants Bank may restrict or terminate access when it reasonably believes the website or Bank systems are being misused.

14. Availability of the Website

Farmers & Merchants Bank does not guarantee continuous or uninterrupted availability of this website or any particular website feature.

Access may be temporarily unavailable because of maintenance, system failures, telecommunications interruptions, cybersecurity events, circumstances beyond the Bank’s reasonable control, or other reasons.

15. Disclaimer of Warranties

To the extent permitted by applicable law, this website and its content are provided on an “as available” basis.

Farmers & Merchants Bank makes no representation or warranty that the website will always be available, error-free, secure, or free from viruses, malware, or other harmful components.

Nothing in these Terms of Use is intended to waive or limit any right or protection that cannot lawfully be waived or limited.

16. Limitation of Liability

To the extent permitted by applicable law, Farmers & Merchants Bank will not be responsible for losses arising solely from your use of or inability to use this website, including losses resulting from circumstances outside the Bank’s reasonable control.

This limitation does not apply where liability cannot legally be excluded or limited and does not alter any rights or responsibilities established under applicable consumer protection laws, account agreements, electronic banking agreements, or other agreements between you and Farmers & Merchants Bank.

17. Accessibility

Farmers & Merchants Bank is committed to providing access to its products, services, and information to individuals with disabilities.

If you experience difficulty accessing information or functionality on this website, please contact Farmers & Merchants Bank so that we can assist you and provide the information or service through an appropriate alternative method.

18. Changes to These Terms

Farmers & Merchants Bank may revise these Terms of Use periodically. Changes will become effective when the revised Terms of Use are posted unless otherwise stated or unless applicable law requires additional notice.

The effective date shown at the top of this page indicates when these Terms of Use were most recently updated.

19. Governing Law

These Terms of Use are governed by applicable federal law and, to the extent state law applies and is not preempted by federal law, the laws of the State of Maryland, without regard to conflict-of-law principles.

Nothing in this provision changes any governing-law provision contained in a separate account or service agreement.

20. Contact Us

Questions regarding these Terms of Use may be directed to:

Farmers & Merchants Bank
ATTN: Operations
25 Westminster Pike
Reisterstown, MD 21136

Contact Farmers & Merchants Bank

Please do not include confidential account information, passwords, PINs, Social Security numbers, or other sensitive information in unsecured email communications.