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Internet Privacy Policy

Internet, Online Banking & Commercial Cash Management Privacy Policy

At F&M Bank, we have always placed the highest priority on the confidentiality of our customers' personal and financial information. Consequently, our overall approach to Internet privacy is guided by and is essentially the same in all key respects to our Consumer Privacy Policy which governs the collection, confidentiality and use of nonpublic personal information throughout our organization. We would also like to take this opportunity to elaborate why this policy is adapted to your use of our website and our Online Banking and Commercial Cash Management services.

Website Browsing

When you are simply visiting our website and not conducting business with us online or communicating with us via e-mail, you can browse on an anonymous basis. We will not request or collect personal information during your visit unless it is needed to complete a transaction that you begin or request. We do reserve the right to collect site utilization information which enables us to study and evaluate patterns and types of use. Information of this type includes the numeric IP server address of the service provider you utilize for Internet access, the type of web browsing software you're using to view our site, the date and time you access our site, and any linked site you may have utilized to connect to our site. This data is collected in the aggregate and does not provide a means of identifying individual visitors.

External Links

Our website includes links to other, external websites primarily as points of interest for the convenience of our visitors. While we link only to reputable sites, we cannot be responsible for any privacy issues on those sites. We encourage you to review the privacy policies of any external linked sites for further information.

Online Banking

When using our online banking and mobile banking service, you may be asked for and/or may voluntarily provide nonpublic personal information to us for the purpose of authorizing, initiating or facilitating a banking transaction. This information will always be used in a manner consistent with our Consumer Privacy Policy.

Financial Calculators

Our website provides access to a variety of financial calculators. They are provided to assist customers and the general public. We do not collect, save or use any information you might enter when using them.


If you make an inquiry, request or comment by e-mail, your e-mail address and the information you provide will be forwarded to the appropriate individual or department within the bank for further action and, if appropriate, a response. The information you provide will always be handled in a manner consistent with our Consumer Privacy Policy. We strongly encourage you to avoid the use of e-mail for sending us any information which is confidential in nature or which may compromise the confidentiality of your nonpublic personal information.