Privacy Policy | F&M Bank and Trust

Privacy Policy

Rev 6/2023



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.


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
  • Credit History
  • Account Balances
  • Payment History
  • Transaction History
  • Credit Scores

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


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 and Trust Company chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does F&M Bank and Trust Co. 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 YES NO
For our affiliates' everyday business purposes- information about your transactions and experiences NO We don't share
For our affiliates' everyday business purposes- information about your credit worthiness NO We don't share
For non-affiliates to market to you NO We don't share


Who is providing this notice? F&M Bank and Trust Co.
Hannibal, Missouri
How does F&M Bank and Trust Co. 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 authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.
How does F&M Bank and Trust Co. collect my personal information? We collect your personal information, for example, when you:
  • Open an Account
  • Provide employment information
  • Apply for a loan
  • Give us your employment history
  • Give us your income information

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 credit worthiness
  • 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.

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • F&M Bank and Trust Co. has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • F&M Bank and Trust Co. does not share with non-affiliates so they can market to you.
Joint marketing A formal agreement between non affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include:
  • Detalus Securities, LLC
  • Mid America Mortgage Services, Inc.
  • EconoCheck
Questions? Call 573-221-6424

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To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help!

505 Broadway
PO Box 938
Hannibal, MO 63401

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Routing number (281573013)


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