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Legal Disclosures

Terms of Use

  • The site is meant to give an overview of the services offered and does not contain all services available and directs viewers to contact a local banking office for full information including disclosures and fees.

USA Patriot Act

  • Important Information About Procedures for Opening or Changing an Account with The Farmers National Bank of Emlenton
    Section 326 of the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account.  This federal requirement is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.  What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them.  We will ask to see each person’s driver’s license and other identifying documents and copy or record information for each of them. 

Code of Ethics - Click Here to View

Electronic Fund Transfers Disclosure - Click Here to View

NMLS Numbers - Click Here to View

Reg GG Notice - Click Here to View

Security Policy

  • Your payments and personal information are safe.  Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure commerce transactions.  It encrypts all of your personal information, including credit card number, name , and address, so that it cannot be read over the internet.  Should you have any questions, please contact us at 877-862-9270.

Refund Policy

  • All sales are final.  There are "no refunds".

Shipping & Handling Policy

  • Shipping and handling does not apply to any service provided by Farmers National Bank and will not be offered.