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Q: Is my money safe
with Merchants and Farmers Bank?
A: Yes, deposits offered by FDIC-insured institutions are protected
by the FDIC and Merchants and Farmers Bank is insured by FDIC.
If you have any questions pertaining to your FDIC insurance coverage,
please call the Customer Service Department at (870)382-4311.
Q: Am I responsible for transactions posted to my account if I
did not authorize those transactions.
A: No, you should contact the bookkeeping department at 870-382-4311
if you have any questions pertaining to your bank statement.
Q: Is it safe to use Internet Banking?
A: When you use the Internet to visit us, whether it’s to
learn about rates, to review your account or to transact other
business, you are entering a secure area. We have safeguards in
place to on you can bank online with confidence.
Q: Will my check be deposited on time when I sign-up for Direct
Deposit?
A: Yes, you can count on Direct Deposit of your check on the day
you normally would receive it. Direct Deposit saves you time and
gives you immediate access to your funds, as well as preventing
loss or theft.
Q: Does M&F offer
a credit card?
A: Yes, we offer a personal “Bobcat” Visa card which
supports the Dumas Bobcat program by a portion of the annual fee
going to the Dumas Bobcats. Also, we offer a personal MasterCard
and a business Visa card. All cards are available with a LOW interest
rate at this time. REMINDER: Use your credit cards responsibly.
Make them part of your financial planning and budgeting each
month.
Q: Is my personal information safe with Merchants and Farmers
Bank?
A: Your personal information
is protected under the Privacy Act. We do not give out your information
to anyone except in as needed
basis such as companies we do business in order to offer different
banking services to you.
PRACTICE SAFE BANKING: Protect yourself
and your money.
- Never
give out personal information, Social Security Number or
account numbers, over the phone or internet unless you initiate
the call or you are certain
the web site is legitimate.
- Keep personal information safe:
Tear up or shred receipts, bank statements and unused credit
card offers
before discarding them.
- Minimize the number of credit cards
you carry.
- Protect your Personal Identification
Numbers (PINs) and passwords. Don’t
use your social security number as PIN numbers
- Guard your mail
from theft. Pay attention to billing cycles. Use Bill Payment
rather than mail to minimize personal information sent through
the
mail.
- Order and check your credit report
annually.
- Report any suspected fraud immediately.
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