Our Guarantees

At F&M Trust, our first commitment is to maintain the security and privacy of our customers' financial assets and personal information. You may be confident that:

1. Your Deposits are Insured by the FDIC

All deposit accounts at F&M Trust Company are insured by the Federal Deposit Insurance Corporation (FDIC) up to a $100,000. The FDIC calculates deposit insurance based on the type of ownership ("right and capacity") in which funds are owned. All deposits (CDs, Checking, Savings) held in the same type of ownership are added together and insured to $100,000. Funds held in different types of ownership (Individual, Joint, Trust, Retirement) are separately insured. Any time there is a change in relationships within a family, such as a birth, death or divorce, the deposit insurance coverage of your accounts may be affected.

(For more information on deposit insurance, visit the FDIC website.)

2. Your online banking is safe and secure.

Our proven, state-of-the-art software and hardware technologies ensure that your data is safe. We use SSL encryption, firewalls, filtering routers, and a variety of authentication techniques. These methods guard your data as it passes from your computer to our systems and back again.

As a customer, you share in the responsibility for the security of your information. You must use an SSL-compliant browser (e.g. Netscape Navigator or Microsoft Internet Explorer). It is extremely important that you not share your User ID or Password with anyone, and that you contact us immediately if you suspect that the security of your User ID or Password has been compromised. Please be sure never to leave your computer unattended while logged in to www.fmtrustonline.com and always to logout when you are finished with your session. Close your browser window after you have logged out. This prevents anyone from using the "Back" button to view your private records.

3. Your privacy will be protected.

At F&M Trust, we respect your right to privacy and have strict procedures to ensure its protection. We collect information about individual customers only where we reasonably believe that it would be useful for administering the bank's business and providing products and services to our customers. We do not share your information with outside marketers except companies that perform services or functions on our behalf such as data processing service companies and direct marketing companies. All of our employees must adhere to strict standards of confidentiality. For a copy of our Consumer Privacy Notice and Policy, click here.

4. Check 21

The Check Clearing for the 21st Century Act - or Check 21 - brings the nation's check payment system into the digital age and allows consumers to benefit from better and faster financial services. Check 21 improves the check processing system by allowing checks to be processed electronically rather than exchanged physically and often transported around the country several times before the payment cycle is completed. This benefits consumers by enhancing security and fraud detection.

Click here to view Check 21 Disclosure document

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