The First National Bank of Chillicothe and its Board of Directors realize the trust that customers have in the Bank. In part, that trust stems from the safekeeping of information that the Bank has about its customers. The First National Bank of Chillicothe will continue to maintain that trust by safeguarding customer information it has in its possession any way possible. To that end, the Board of Directors has adopted this Privacy Policy Statement with regard to our customer's nonpublic information.
FACTS
What does The First National Bank of Chillicothe 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
Account balances
Payment history
Transaction history
Credit history
Account transactions
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 The First National Bank of Chillicothe chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Do We Share?
Can you limit?
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
No
We Don't Share
For joint marketing with other financial companies:
No
We Don't Share
For our affiliates' everyday business purposes:
information about your transactions and experiences
No
We 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
Questions?
Call (940) 852-5161 in Chillicothe or (940) 663-5387 in Quanah or go to www.fnbchill.com
What we do
How does The First National Bank of Chillicothe 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 The First National Bank of Chillicothe collect my personal information?
We collect your personal information, for example, when you:
open an account
apply for a loan
make deposits or withdrawals from your account
make a wire transfer
show your government-issued ID
We also collect your personal information from others, such as credit card 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 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.
The First National Bank of Chillicothe has no Affiliates.
Non Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
The First National Bank of Chillicothe 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.
The First National Bank of Chillicothe does not jointly market.
Other Important Information
For Texas Customers. The The First National Bank of Chillicothe is chartered, licenced or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. The First National Bank of Chillicothe also engages in the business of selling stored value cards as an agent for TIB The Independent BankersBank, which is licensed under the laws of Texas and is subject to regulatory oversight by the Texas Department of Banking.
After first contacting The First National Bank of Chillicothe, if you still have an unresolved complaint regarding the company's stored value card activity, please direct your complaint to the Texas Department of Banking.
Any Consumer wishing to file a complaint against The First National Bank of Chillicothe should contact the Texas Department of Banking through one of the means indicated below:
NOTICE: The First National Bank of Chillicothe is participating in the FDIC's Transaction Accounts Guarantee program which has been modified and extended from December 31, 2010 through December 31, 2012. This temporary unlimited coverage for "noninterest-bearing transaction accounts" is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
"Noninterest-bearing" account includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It DOES NOT include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money market accounts. For more information about FDIC insurance coverage of transaction accounts, visit the FDIC website at www.fdic.gov.
