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 information

Does 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



For our affiliates' everyday business purposes-

information about your transactions and experiences

information about your creditworthiness



For nonaffiliates to market to you




Who we are

Who is providing this notice?



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.

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 or other companies.

 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 nonaffiliates 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 has no affiliates.


Companies not related by common ownership or control.  They can be

financial and nonfinancial companies.

  • Merchants National Bank does not share with nonaffiliates 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 doesn't jointly market