Privacy Policy

 

FACTS

WHAT DOES First National 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 depend on the product or service you have with us. This information can include:

  Social Security number and income

  Account balances and payment history

  Transaction history and checking account information

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 customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First National Bank choose to share; and whether you can limit this sharing.

 

 Reasons we can share your personal information

Does First National 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

 

 Questions?

 

Call 1-800-460-6678 or go to www.fnbtx.com


 

 Who we are

 Who is providing this notice?

 First National Bank

 

 What we do

 How does First National 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. We also maintain physical, electronic and procedural safeguards as well as limit appropriate employee access to your information.

 How does First National Bank  collect my personal  information?

We collect your personal information, for example, when you

§   open an account   or  deposit money

§   apply for a loan  or  give us your contact information

§   make a wire transfer  or  seek advice about your investments

 

We also collect your personal information from others, such as credit bureaus, affiliates, or 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 creditworthiness

§   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 nonfinancial companies.

§   First National Bank’s affiliate is WFBI Insurance Group, LLC (dba First National Insurance Services).

 Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

§   First National Bank does not share with nonaffiliates so they can market to you.

 Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

§   Our joint marketing partners include securities broker-dealer and insurance companies