Privacy Statement



What does Merchants National Bank do with your personal information?


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law requires us to tell you how we collect, share, and protect your 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 and Income
  • Account Balances and Payment History
  • Credit History and 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 customer's 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 Merchants National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Merchants National Bank Share?Can you limit this sharing?

For our everday business purposes, such as:

  • to process your transactions,
  • maintain your account(s),
  • respond to court orders and legal investigations,
  • or report to credit bureaus

For our marketing purposes:

  • to offer our products and services to you
For joint marketing with other financial companies NO WE DON'T SHARE

For our affiliates' everyday business purposes:

  • information about your transactions and experiences
  • information about your creditworthiness
For nonaffiliates to market to you NO WE DON'T SHARE
Questions? Call (800) 875-1993
What We Do
How does Merchants National Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with the federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic information about you to employees who need to know to provide products or services to you. We maintain physical, electronic and procedural safeguards.
How does Merchants National Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus.

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 creditworthiness
  • 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.


Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Merchants National Bank does not share with our affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Merchants National Bank does not share with non-affiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Merchants National Bank does not jointly market.

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