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Privacy Policy

FACTSWhat does Farmers State Bank do with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depends on the product or service you have with us. This information can include:
  • Social Security number and account balances
  • Credit history and account transactions
  • payment history and transaction history
When you are no longer our customer, we continue to share your information as described in this notice.
How? 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 customer’s personal information; the reasons Farmers State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Farmers State Bank Share?Can you limit this sharing?
For our everyday business purposes:
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus 		Yes No
For our marketing purposes:
to offer our products and services to you 		Yes No
For joint marketing with other financial companies: Yes No
For our affiliates' everyday business purposes:
information about your transactions and experiences 		Yes No
For our affiliates' everyday business purposes:
information about your creditworthiness 		No We Don't Share
For nonaffiliates to market to you: No We Don't Share
Who we are
Who is providing this notice? Farmers State Bank - Groesbeck, Wortham, Mexia, Fairfield, Kosse, and Jewett
What we do
How does Farmers State Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Farmers State 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 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 credit worthiness
  • 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. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
  • Our affiliates include financial companies such as Grosebeck Bancshares, Inc. a Bank Holding Company and nonfinancial companies. such as FSB Realty Holdings, Inc.
Non Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include Credit Bureaus, Data and ATM Processors.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include TIB - The Independent Bankers Bank, a credit card company.
Other important information
The Farmers State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Farmers State Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
Telephone NO.: 877/276-5554
Fax No.:512/475-1313
E-mail: consumer.complaints@dob.texas.gov
Website: www.dob.texas.gov