WHAT DOES FIRST NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?
Rev. 10/2024
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 Transaction history
- Account balances and Credit history
- Payment history and Checking account information
As part of our online services, including browsing our website or using our mobile apps, we collect certain information:
- Device Data, which includes details such as your device type, internet protocol address, operating system type and version, device contacts (e.g., for facilitating Zelle Payments), and photos (e.g., to deposit checks).
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 chooses 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 non-affiliates to market to you | No | We don’t share |
Questions?
Call toll-free 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 other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
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.
As part of our online services, including browsing our website or using our mobile apps, we collect certain information:
- Device Data, which includes details such as your device type, internet protocol address, operating system type and version, device contacts (e.g., for facilitating Zelle Payments), and photos (e.g., to deposit checks).
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 non-affiliates 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.- First National Bank has no affiliates.
- Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.- First National Bank does not share with non-affiliates so they can market to you.
- Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.- Our joint marketing partners include securities broker-dealer and insurance companies.
Other Important Information
First National Bank is subject to regulatory oversight by the Office of the Comptroller of the Currency (OCC). Any consumer wishing to file a complaint against First National Bank should contact the OCC through one of the following means:
Online: http://www.helpwithmybank.gov/contact-us/contact-the-occ.html
Mail: OCC Customer Assistance Group, P.O. Box 53570, Houston, TX 77052
Telephone: 1-800-613-6743
Fax: (713) 336-4301