Fraud & Security. What you need to know!

You must be an authorized signer on all accounts you are submitting for application. If you are already signed up for NetTeller and wish to make changes (like adding additional accounts) please contact us at (260) 637-5546 or (260) 357-0494.

Please Read The Following Terms And Conditions Before Applying For NetTeller

Terms and Conditions

"We", "us", and "our" means Farmers and Merchants Bank. "You" and "your" mean each depositor who establishes an Internet Banking (NetTeller) Service with us or who uses or is authorized to use a NetTeller Identification Number and NetTeller Personal Identification Number (PIN) or other means of access which we establish or approve. The term "NetTeller" refers to our service that allows you to transfer funds, access accounts, obtain information, and perform other transactions over the Internet, including the optional Bill Payment service, by use of a compatible personal computer (with sufficient power and memory) and modem and/or other means which we now authorize or may allow from time to time.

This agreement states the terms and conditions that apply when you use our NetTeller Internet Banking Service. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other services you obtain from us. You are also required to follow all our instructions and procedures, including material in our Frequently Asked Questions (FAQ's), applicable to the services covered by this agreement. This agreement shall be governed by and interpreted under Indiana and federal law. We reserve the right to amend or terminate the NetTeller Internet Banking Service at any time.

You agree that the account security is controlled by the NetTeller Identification Number assigned by us, together with the NetTeller Personal Identification Number (PIN) chosen and entered by you. You will be requested to change your PIN the first time you enter the NetTeller Service. You can change your PIN at any time through the Account Management section of the NetTeller Service. You are responsible for all transactions that you or any authorized user makes. If you have given someone your NetTeller Identification Number and PIN and want to terminate that person's authority, you must change your Identification Number and PIN or take additional steps to prevent further access by such person. You agree to protect the PIN and hold us harmless from unauthorized use. Any information downloaded by you to your financial or other software becomes your property and responsibility.

You agree that the provisions of joint account ownership apply to the NetTeller Service if the account(s) being accessed is jointly owned and agree that each owner authorizes the other to use the NetTeller Service.

You acknowledge that transaction limitations, as described in the Truth and Savings Disclosure you received when you opened your deposit account(s) or subsequently thereafter, apply to transfers from savings or money market accounts. Federal regulation limits transfers to six per statement cycle when initiated by telephone, electronic, or other pre-authorized means.