privacy and security

Privacy Statement

Recognition of a Customer’s Expectation of Policy

Financial institutions need to address the privacy expectations of their customers and be able to explain principles of financial privacy to their customers in an appropriate fashion.

At Merchants and Farmers Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customer’s trust. Thus, the safekeeping of customer information is our priority.

Information Management Practice

Information about consumers is accumulated from a variety of sources. Some information is provided to Merchants and Farmers Bank directly by customers themselves. Other data is developed by Merchants and Farmers Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to Merchants and Farmers Bank. We will use information to help identify additional products or services which we believe customers might want to know about. This information will be used only in accordance with the principles set out in this Policy.

Maintenance of Accurate Information

Merchants and Farmers Bank has established procedures to ensure that our customer information is accurate, current and complete, in keeping with reasonable commercial standards. We also will to respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information

At Merchants and Farmers Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information. All Merchants and Farmers Bank employees are responsible for maintaining the confidentiality of customer information.

Security Procedures

Merchants and Farmers Bank is committed to the security of our customer’s financial and personal information. All of our operational and data processing systems are in a secure environment that protects their account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Disclosure of Account Information

Merchants and Farmers Bank places strict limits on who receives specific information about customer account or other personally identifiable data. We may share information with unaffiliated companies when; 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests or permits it; 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.) or 4) the customer has been informed about the possibility of disclosure from marketing or similar purposes through a prior communication and given the opportunity to decline (i.e., “opt out”)

Maintaining Customer Privacy

When the Bank conducts business with third parties, it requites its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Privacy Information to Customers

Merchants and Farmers Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call the Merchants and Farmers Bank at any of our Bank locations listed below:

Holly Springs        Ashland       Hickory Flat         Byhalia
252-1341           224-8931       333-6397         838-3370

Merchants & Farmers Bank
P. O. Box 700
Holly Springs , MS 38635

More detailed information is Available upon Request
Thank you for banking with us.

Mastercard Debit Card Fraud Prevention Notice

Due to increased international and domestic fraud, it has become necessary to put additional transaction restrictions in place for Mastercard Debit Card Transactions.  These restrictions may cause you to experience declines of card transactions that have been approved in the past. Most card present transactions will now require the PIN number. If you do not know your PIN, please contact a Customer Service Representative.

We will continue to respond to fraudulent activity in ways that minimize the impact to you while protecting you from fraudulent activity.

Click here for Details and Additional Safety Tips

Free Credit Reports
You can obtain a free credit report once a year from each of the credit reporting agencies – Experian, Equifax and Trans Union. Online at or toll free at 877.322.8228

Identity Theft
Be suspicious of any email with urgent requests for personal financial information. Always report “spoofed” emails by forwarding the email to the following group: The Federal Trade Commission at

5 Factors That Affect Your Credit Score

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