{"id":18,"date":"2026-11-04T03:46:56","date_gmt":"2026-11-04T03:46:56","guid":{"rendered":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/terms-of-use\/"},"modified":"2026-11-04T04:14:38","modified_gmt":"2026-11-04T04:14:38","slug":"terms-of-use","status":"publish","type":"page","link":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/terms-of-use\/","title":{"rendered":"Terms of Use"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18\" class=\"elementor elementor-18\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aae6ca8 e-con-full fmb-header e-flex e-con e-parent\" data-id=\"3aae6ca8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3aae2493 e-con-full fmb-brand e-flex e-con e-child\" data-id=\"3aae2493\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aadf485 fmb-emblem elementor-widget elementor-widget-image\" data-id=\"3aadf485\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"276\" height=\"318\" src=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/wp-content\/uploads\/2026\/11\/fmb-logo-real.png\" class=\"attachment-full size-full wp-image-82\" alt=\"\" srcset=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/wp-content\/uploads\/2026\/11\/fmb-logo-real.png 276w, https:\/\/45-56-126-20.ip.linodeusercontent.com\/wp-content\/uploads\/2026\/11\/fmb-logo-real-260x300.png 260w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aae0c8c fmb-wordmark elementor-widget elementor-widget-heading\" data-id=\"3aae0c8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"\/\">Farmers and Merchants Bank<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aae3c9a fmb-nav elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"3aae3c9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-3aae3c9a\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-21\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/\" class=\"elementor-item\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-22\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-item\">Accounts &#038; Services<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-sub-item\">Checking Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/investment-accounts\/\" class=\"elementor-sub-item\">Investment Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-25\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/loans\/\" class=\"elementor-sub-item\">Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-26\"><a href=\"https:\/\/alert.smsservicesnow.com\/Landing\/FMBDuke\" class=\"elementor-sub-item\">Debit Card Alert<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/services\/\" class=\"elementor-sub-item\">Other Services<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-28\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-item\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-29\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-sub-item\">Calculators<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-30\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-item\">About Us<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-sub-item\">Location and Hours<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/contact-us\/\" class=\"elementor-item\">Contact Us<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-3aae3c9a\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-21\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-22\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-item\" tabindex=\"-1\">Accounts &#038; Services<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/checking-accounts\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Checking Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/investment-accounts\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Investment Accounts<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-25\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-26\"><a href=\"https:\/\/alert.smsservicesnow.com\/Landing\/FMBDuke\" class=\"elementor-sub-item\" tabindex=\"-1\">Debit Card Alert<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/services\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Other Services<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-28\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-item\" tabindex=\"-1\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-29\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/calculators\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Calculators<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-30\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-item\" tabindex=\"-1\">About Us<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/location-and-hours\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Location and Hours<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32\"><a href=\"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/contact-us\/\" class=\"elementor-item\" tabindex=\"-1\">Contact Us<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aae54a1 fmb-btn fmb-btn-sm elementor-widget elementor-widget-button\" data-id=\"3aae54a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fmbdok.secure.fundsxpress.com\/start\/FMBDOK\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Online Banking<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aaee4cb e-con-full fmb-pagehead e-flex e-con e-parent\" data-id=\"3aaee4cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3aae9cb6 e-con-full fmb-pagehead-l e-flex e-con e-child\" data-id=\"3aae9cb6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aae84af fmb-rise elementor-widget elementor-widget-heading\" data-id=\"3aae84af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Terms of Use<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aaeccc4 e-con-full fmb-pagehead-r e-flex e-con e-child\" data-id=\"3aaeccc4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aaeb4bd fmb-rise fmb-rise-2 elementor-widget elementor-widget-heading\" data-id=\"3aaeb4bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Questions? Call (580) 679-3334.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aaddc7e fmb-legal-sec e-flex e-con-boxed e-con e-parent\" data-id=\"3aaddc7e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aadc477 fmb-legal elementor-widget elementor-widget-text-editor\" data-id=\"3aadc477\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.<\/p> <p>We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein. <\/p> <p><strong>Illegal Use<\/strong><\/p> <p>Unauthorized use of Farmers and Merchants Bank website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited. <\/p> <p><strong>Website Content <\/strong><\/p> <p>Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.<\/p> <p>Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service. <\/p> <p>This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us<\/p> <p><strong>Linked 3rd Party Sites<\/strong><br> Farmers and Merchants Bank maintains this website to provide you with information about our products and services. For your convenience, we may also provide links to various third parties websites that may be of interest to you. Farmers and Merchants Bank does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site. Linking to other third party sites is at your own risk. The content on linked sites may change without notice. <\/p> <p>WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD PARTY SITES. <\/p> <p>We suggest that you always verify the information obtained from linked sites before acting upon this information. Farmers and Merchants Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of Farmers and Merchants Bank and are not insured by any governmental agency such as the FDIC. <\/p> <p>Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly. <br> <\/p> <p><strong>Use of Information Submitted Through the Website<\/strong><\/p> <p>Any communication or material that you transmit to us through this website or through electronic mail may be used only by Farmers and Merchants Bank for the purposes described in our privacy policy. All information submitted to our website shall be considered and shall remain the property of Farmers and Merchants Bank; this information will only be used internally for the purpose intended or as allowed by law. <\/p> <p>Farmers and Merchants Bank shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this website and Farmers and Merchants Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Farmers and Merchants Bank responsibilities and obligations to customers in accordance with our privacy policy. <\/p> <p>If you need to communicate personal or confidential information, please do not use the email feature on this website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service<\/p> <p><strong>No Warranties<\/strong><br> Any dated information on this site is &#8220;As Of&#8221; its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.<\/p> <p>All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided &#8220;AS IS&#8221;, \u201cAS AVAILABLE\u201d to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.<\/p> <p><strong>Trademark Notices <\/strong><\/p> <p>All registered and unregistered trademarks are the sole property of their respective owners. Unauthorized reproduction in whole or part is prohibited.<\/p> <p><strong>Copyright Notices <\/strong><br> Farmers and Merchants Bank owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated. <\/p> <p><strong>Limitation of Liability <\/strong><\/p> <p>FARMERS AND MERCHANTS BANK will under no circumstances be liable to you and\/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if [Insert FI name] has been advised of the possibility of such damages. <\/p> <p>FURTHERMORE, faRMERS AND MERCHANTS BANK will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. Nor will fARMERS AND MERCHANTS BANK be liable for any other problems you experience due to causes beyond our control. <\/p> <p>No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Farmers and Merchants Bank. <\/p> <p><strong>Governing Law <\/strong><\/p> <p>This agreement shall be governed by and construed in accordance with federal statutes and the laws of Oklahoma. <br> <br> This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. <br> <br> <strong>Additional Terms <br> <\/strong><br> Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.<\/p> <p> <strong>Date Last Modified: September 27, 2011<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ab0352d e-flex e-con-boxed e-con e-parent\" data-id=\"3ab0352d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3aafd511 e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aafd511\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3aaf2ce0 e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aaf2ce0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aaefcd2 elementor-widget elementor-widget-heading\" data-id=\"3aaefcd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Farmers and Merchants Bank<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aaf14d9 elementor-widget elementor-widget-text-editor\" data-id=\"3aaf14d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>101 East 2nd Street<br>Box 190<br>Duke, OK 73532<\/p><p>Phone (580) 679-3334<br>Fax (580) 679-3337<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aaf74f5 e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aaf74f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aaf44e7 elementor-widget elementor-widget-heading\" data-id=\"3aaf44e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Accounts and services<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aaf5cee fmb-footlinks elementor-widget elementor-widget-text-editor\" data-id=\"3aaf5cee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/index.php\/checking-accounts\/\">Checking Accounts<\/a><\/p><p><a href=\"\/index.php\/investment-accounts\/\">Investment Accounts<\/a><\/p><p><a href=\"\/index.php\/loans\/\">Loans<\/a><\/p><p><a href=\"\/index.php\/services\/\">Other Services<\/a><\/p><p><a href=\"\/index.php\/calculators\/\">Calculators<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aafbd0a e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3aafbd0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aaf8cfc elementor-widget elementor-widget-heading\" data-id=\"3aaf8cfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hours<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aafa503 elementor-widget elementor-widget-text-editor\" data-id=\"3aafa503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lobby and drive-up<br>Monday to Thursday 9:00 am to 3:00 pm<br>Friday 9:00 am to 4:00 pm<br>Saturday and Sunday closed<\/p><p>Night depository and ATM open 24\/7<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ab01d26 e-con-full fmb-flush e-flex e-con e-child\" data-id=\"3ab01d26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3aafed18 elementor-widget elementor-widget-text-editor\" data-id=\"3aafed18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Member FDIC. Equal Housing Lender.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab0051f fmb-footlinks elementor-widget elementor-widget-text-editor\" data-id=\"3ab0051f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/index.php\/privacy-policy\/\">Privacy Policy<\/a> &nbsp; <a href=\"\/index.php\/terms-of-use\/\">Terms of Use<\/a> &nbsp; <a href=\"\/index.php\/patriot-act\/\">Patriot Act<\/a> &nbsp; <a href=\"https:\/\/gateway.apiture.com\/FMBDOK\/security_stmt.htm\">Security Statement<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ab07d42 e-con-full fmb-credit-bar e-flex e-con e-parent\" data-id=\"3ab07d42\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab04d34 elementor-widget elementor-widget-text-editor\" data-id=\"3ab04d34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>&copy; 2026 Farmers and Merchants Bank. All rights reserved.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab0653b elementor-widget elementor-widget-html\" data-id=\"3ab0653b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<a class=\"fmb-credit\" href=\"https:\/\/velocitsolutions.com\" rel=\"noopener\"><span>Proudly built by<\/span><img decoding=\"async\" src=\"https:\/\/velocitsolutions.com\/wp-content\/uploads\/2026\/05\/cropped-VelocIT-Solutions-Logo-13-1.png\" alt=\"VelocIT Solutions\" height=\"30\"><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Farmers and Merchants Bank Online Banking Terms of Use Questions? Call (580) 679-3334. BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-18","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages\/18","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/comments?post=18"}],"version-history":[{"count":6,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages\/18\/revisions"}],"predecessor-version":[{"id":113,"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/pages\/18\/revisions\/113"}],"wp:attachment":[{"href":"https:\/\/45-56-126-20.ip.linodeusercontent.com\/index.php\/wp-json\/wp\/v2\/media?parent=18"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}