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.
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
- Transaction history and assets
- Credit history and credit scores
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 Citizens National Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Do We 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||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||No||We Don’t Share|
Who We Are
Who is providing this notice?
First Citizens National Bank
What We Do
How does First Citizens 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 restrict access to your personal information to only those employees who need to know. We require all companies with whom we share your information to keep it confidential.
How does First Citizens 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 use your credit or debit card
- provide employment information
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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account — unless you tell us otherwise.
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include White & Associates/First Citizens Insurance LLC.
Companies not related by common ownership or control. They can be financial and nonfinancial companies. First Citizens National Bank does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include companies that provide credit cards, life insurance, identity theft protection and investment products.
To Limit Sharing of Your Information
Call 800.321.3176 - our menu will prompt you through your choice(s)
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.