Customer Education

Information Security

If you become aware of, or have questions about suspicious account activity, please contact us at (731) 692-3761 or by email at (This email address is unsecured. Do not include sensitive personal information in your email.) To report a lost or stolen debit card after bank business hours, call 1-800-383-8000.

IMPORTANT: Unless you initiate the contact or know with whom you are dealing, never give out your user ID, password, PIN, debit or credit card #, CVC code on the back of your credit card, Social Security #, account # or any other sensitive information.

Debit/ATM Card

Fraudulent debit card activity is on the rise. Please watch your accounts closely and immediately report any suspicious activity at the phone # or email address listed above. Consider using online banking ( or telephone banking (731-692-9600 or 1-877-443-2636) to monitor your accounts.

When swiping your card, watch for shoulder surfers or strange devices and be careful at ATM’s that are free-standing or in isolated locations. Unless you initiate the contact, don’t give out your card number, and never give anyone your PIN number or write it on your card. Use a different payment method if you are not comfortable with a waitress taking your card out of sight to run your transaction.

Online Banking

Your accounts are properly secured when you bank with The Farmers & Merchants Bank. We are in compliance with the supervisory guidance issued by the Federal Financial Institutions Examination Council (FFIEC) which requires that financial institutions maintain robust authentication controls to make online transactions safer and more secure. In addition, we have concluded a comprehensive risk assessment of our current authentication methods and believe these methods are adequate and effective in strengthening the overall protection of your sensitive information, thus reducing the possibility of fraud and the resulting financial losses.

Our layered security controls and log-in authentication techniques keep your personal information safe. To access your accounts online, we require you to complete a multifactor authentication enrollment consisting of a unique user ID and password and three challenge questions with corresponding answers. When accessing your accounts online (does not apply to mobile banking), your browser will be triggered to display a green address bar bearing the https address of Fiserv, Inc. This green bar provides visual confirmation that you are transacting with the Bank’s online banking website and validates that it is safe to enter your log-in credentials. You can help maintain the security of your accounts by not sharing your online banking credentials with anyone, by changing your password regularly and by remembering to log out of each online banking session.


Fraudulent emails can be used by criminals in an attempt to obtain your personal information. This activity is called PHISHING. The fraudulent email may ask you to provide your personal information in a pop-up window or entice you to click a link. The link may show one web address, but secretly directs you to a counterfeit site. The counterfeit site may use actual company logos and phone numbers of a trusted website, creating a mirror image of the trusted site. Pay close attention to how the company name is represented. The spelling may look correct, but may be one letter off or include different spacing, letter case or punctuation. This attempt to collect your personal information through a fraudulent website is called PHARMING. To avoid identity theft through fraudulent emails, do not supply any personal information in a pop-up window or click any of the links in the email.

Fraudulent voice or telephone services requesting personal information is called VISHING. Vishers may leave a message requesting a call back to a fraudulent toll-free number. A fraudster calling you on your cell phone or leaving a message asking for personal information is called MISHING.

Remember, The Farmers & Merchants Bank will never contact you on an unsolicited basis and request your personal information or online banking credentials. To keep your account information complete and accurate, please notify us in writing of any changes or updates to your personal information (i.e., address, phone #, email address, etc.).

Other Tips to Protect Yourself from Identity Theft

The Farmers & Merchants Bank encourages you to implement your own security controls to help mitigate your fraud risk. Such controls include installing and frequently updating firewalls and anti-virus/anti-malware/anti-spyware programs on your computer and/or handheld device. These programs help prevent, detect, block and remove adware, spyware and other forms of malware. Never click on or open emails or email attachments from unknown senders. Be careful about clicking on advertisements and visiting unfamiliar websites. Viruses, malware or spyware programs could be secretly installed on your computer from sources such as this. Some malware programs record keystrokes entered on your PC and transmit them to criminals who use them to decipher log-in credentials and other sensitive personal information. Don’t reply to unsolicited/junk emails (spam) or submit your email address to a “remove” list in a spam email. “Removing” your email address from a spam email merely confirms that your address is live and will result in your getting more spam. Never buy from spammers as they often misrepresent themselves as a legitimate business.

Use caution when submitting your personal information online, such as when you wish to make a purchase. You should always type the web address directly into the address bar rather than clicking a link. Check to make sure you are using a secure browser before transmitting financial information online.

Reminders (DO):

  • Retrieve your mail in a timely manner.
  • Stop home mail delivery when you’re on vacation.
  • Take action if your regular bills stop coming.
  • Use a shredder to discard personal financial information.
  • Take quick action to report any type of fraud as soon as it’s discovered.
  • Check your credit report for incorrect information at least once a year at
  • Keep vital information documents in a lock box or safety deposit box.
  • Review your monthly bank statements as soon as you receive them.
  • Be aware of surroundings when using an ATM. Examine the machine for any alterations.

Reminders (DON’T):

  • Give out financial information online or on the phone unless you initiate the contact.
  • Use a cell phone or cordless phone to give out financial information (you should use a landline phone).
  • Fall for “free gift” scams that require you to provide personal information.
  • Carry your Social Security card in your purse or wallet.
  • Put your outgoing bills in a residential mailbox.
  • Leave your ATM or gas receipts where someone else can find them. Always take them with you.
  • Think it will never happen to you.

Additional Information

Find out what to do if you think your identity has been stolen at


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Personalization Settings



The Farmers & Merchants Bank would like to personalize your banking experience. Please enter your first name below..

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

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