Privacy Policy

Notice of Your Financial Privacy Rights
Rev. 06/2014

What does FNB of Central Alabama 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. The information can include:

  1. Social Security number
  2. Account balances
  3. Payment history
  4. Credit history
  5. Overdraft history
  6. Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

Reasons we can share your personal informationDoes FNB of Central Alabama 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 bureausYesNo
For our marketing purposes – to offer our products and services to you YesNo
For joint marketing with other financial companies NoWe don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences NoWe don’t share
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

What We Do

How does FNB of Central Alabama 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 FNB of Central Alabama collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Provide employment information
  • Apply for a loan
  • Show your government-issued ID
  • Make deposits or withdrawals from your account

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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
FNB of Central Alabama has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
FNB of Central Alabama 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.
FNB of Central Alabama doesn’t jointly market.

Should you have any questions, feel free to contact us at 866-318-3238