Privacy Notice

What does First National Bank of Central Texas do with your personal information?

Rev. 6/2014

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 Income
  • Account balances and Payment history
  • Credit scores and Employment 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 First National Bank of Central Texas chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes First National Bank of Central Texas 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 youNoWe don’t share
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiencesNoWe don’t share
For our affiliates’ everyday business purposes — information about your creditworthinessNoWe don’t share
For nonaffiliates to market to youNoWe don’t share

Questions?

Call 254-772-9330 or go to www.fnbct.com


Who we are

Who is providing this notice?

First National Bank of Central Texas

What we do

How does First National Bank of Central Texas 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 First National Bank of Central Texas collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or Deposit money
  • Provide employment information or Provide account information
  • Show you government issued ID

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 non-affiliates 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.

  • First National Bank of Central Texas has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • First National Bank of Central Texas 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.

  • First National Bank of Central Texas doesn’t joint market.