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 number2. Account balances3. Payment history
4. Credit history5. Overdraft history6. 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 FNB of Central Alabama chooses to share; and whether you can limit this sharing.

 

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
AffiliatesCompanies related by common ownership or control.  They can be financial and non-financial companies.

  • FNB of Central Alabama has no affiliates.
NonaffiliatesCompanies 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 MarketingA 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.