What does First National Bank of Floydada 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 and income
Account balances and payment history
Credit history and credit scores
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 Floydada 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
Yes
No
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
How does First National Bank of Floydada 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 Floydada collect my personal information?
We collect your personal information, for example, when you:
open an account or deposit money
pay your bills or apply for a loan
use your debit or credit card
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.
First National Bank of Floydada 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 Floydada 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 Floydada does not jointly market.
NOTICE: Beginning July 1, 2010 FIRST NATIONAL BANK of FLOYDADA will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.
