Privacy Policy

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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 or print a copy of our Privacy Policy 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
  • Transaction history
  • Account transactions
  • Checking account information
  • Wire transfer instructions

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’ peronsal information; the reasons FNB BANK chooses to share; and whether you can limit this sharing. For our affiliates’ to market to you. No. We don’t share. For nonaffiliates’ to market to you. No. We don’t share

FACTSWhat does FNB BANK do with your personal information?
Why?Financial companies choose how they share your personal information. Federal law gives customers 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.
Reasons we can share your personal informationDoes FNB BANK share?Can you limit this sharing?
For our everday business purposes –
Such as to process your transactions, maintain your Account(s), respond to court orders and legal investigations, or report to credit bureaus
YesNo
For our marketing purposes –
to offer our products and services to you
YesNo
For joint marketing with other financial companiesYesNo
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

NoWe don’t share
What we do
How does FNB 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.
How does FNB BANK collect my personal information?We collect your personal information, for example, when you

  • Open an occount or Apply for financing
  • Provide occount information or Show your government issued ID
  • Show your driver’s license

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 nonfinancial companies.

– FNB BANK has no affiliates.

NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.

– FNB BANK 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.

– Our joint marketing partner(s) include credit card companies.

Rev: December 2010

Online Privacy Notice

Effective date: July 16, 2018

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used.

Our website may collect data through the following ways:

  • Online form (available on our Contact page) that collects information you provide us, so that we can provide you customer care and support.
  • Cookies: Google Analytics a web analytics service offered by Google that tracks and reports website traffic through the use of cookies. Google Adwords uses conversion tracking to help us see when ads lead to conversions from various sources.
  • Links to third-party websites that are not operated by us.

We are thoughtful about the personal information we ask you to provide and the personal information that we collect about you through the operation of our website. We store personal information for only as long as we have a reason to keep it. We aim for full transparency on how we gather, and use your personal information.

Below is our Online Privacy Notice, which incorporates and clarifies these principles.

This Online Privacy Notice describes FNB Bank’s online and mobile privacy practices and applies to anyone who visits our websites or uses our mobile applications. Information that you provide to FNB Bank when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes is also governed by a separate notice entitled FNB Bank Privacy Policy. If you are such an applicant or customer, please refer to that Policy for additional information about our privacy practices.

Information Collection And Use

We only collect information about you if we have a reason to do so, to provide services, to communicate with you, and to make our services better.

Let’s go over the information that we collect:

Personal Data

The Contact page of our website contains an online web form that you may choose to use. To complete this form, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number (including area code)
  • Address (include street address, city, state, and zip code)
  • Subject and comments fields

This form is for general inquiries only. We ask that you do not include any account numbers or other confidential information.

Collected form data is not made public. Form data is protected and accessed by FNB Bank employees and our Service Providers (please see “Service Providers”).

How We Collect This Data – Tracking & Cookies

We may employ third party companies and individuals to facilitate our website (“Service Providers”), to perform web-related services or to assist us in analyzing how our website is used.

These third parties have access to information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Usage Data

Google Analytics and Google Adwords use cookies, through which we may collect information on which pages of the website are accessed and used (“Usage Data”).

Your web browser automatically sends us (and we may retain) information such as the:

  • Internet domain through which you access the Internet (e.g., yourServiceProvider.com if you use a commercial Internet service provider, or yourSchool.edu if you use an Internet account from your school);
  • Internet Protocol address of the computer you are using;
  • type of browser software and operating system you are using;
  • date and time you access our site; and
  • the Internet address of the site from which you linked directly to our site.

We will use this information as aggregate data to help us maintain this site, e.g., to determine the number of visitors to different sections of our site, to ensure the site is working properly, and to help us make our site more accessible and useful.

We will not use this information to identify individuals, except for site security or law enforcement purposes.

We will not obtain Personal Data information about you when you visit our site, unless you choose to provide such information (please see Personal Data above).

What are cookies?

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our website.

Service Providers

We may use the following third-party Service Providers, that help us manage and maintain the website, and/or provide cookies to monitor and analyze the use of our website, these include:

Google Analytics

FNB Bank uses a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. Analytics services generally do not directly identify individual users.

You can learn about Google’s practices and opt out by visiting https://policies.google.com/technologies/partner-sites.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Google Adwords

FNB Bank may occasionally use an online advertising service developed by Google, through which we may pay to display brief advertisements, service offerings, product listings, and video content within the Google ad network to web users. Google Adwords uses conversion tracking to help us see when ads lead to conversions from various sources. For example, Google Adwords makes it possible to track when a visitor completes an action on our website. This action could include clicking a link or any other valuable action.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Thrive Creative Group

These are the folks that help FNB Bank manage and maintain this website. They have access to the website, Google Analytics, and Google Adwords data. We require Thrive Creative Group to follow this Privacy Policy for the protection of personal information they may have access to. For more information on Thrive Creative Group’s privacy policy, please visit: https://thinkthrive.com/privacy/

Links To Other Sites

Our website contains links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. This is especially true for any social media platform, including, but not limited to:

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

How and Why We Use Information

We may use the data we collect online for various purposes:

  • To provide and maintain the website
  • To allow you to participate in interactive features of our website when you choose to do so
  • To provide customer care and support
  • To provide analysis or information so that we can improve our website
  • To monitor the usage of the our website
  • To detect, prevent and address technical issues

Sharing Information

How We Share Information

We do not sell our users’ private personal information.

FNB Bank may disclose your Personal Data in the good faith belief that such action is necessary:

  • To comply with a legal obligation
  • To protect and defend the rights or property of FNB Bank
  • To prevent or investigate possible wrongdoing in connection with the website
  • To protect the personal safety of users of the website or the public
  • To protect against legal liability

We share information about you in the limited circumstances spelled out below and with appropriate safeguards on your privacy:

  • Employees and Independent Contractors: We may disclose information about you to our employees and individuals who are our independent contractors that need to know the information in order to help us provide our services or to process the information on our behalf. We require our employees and independent contractors to follow this Online Privacy Notice and the FNB Bank Privacy Policy for personal information that we share with them.
  • Legal Requests: We may disclose information about you in response to a subpoena, court order, or other governmental request.
  • To Protect Rights, Property, and Others: We may disclose information about you when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of us, third parties, or the public at large. For example, if we have a good faith belief that there is an imminent danger of death or serious physical injury, we may disclose information related to the emergency without delay.
  • Business Transfers: In connection with any merger, sale of company assets, or acquisition of all or a portion of our business by another company, or in the unlikely event that FNB Bank goes out of business or enters bankruptcy, user information would likely be one of the assets that is transferred or acquired by a third party. If any of these events were to happen, this Online Privacy Notice and our Privacy Policy would continue to apply to your information and the party receiving your information may continue to use your information, but only consistent with this Online Privacy Notice and our Privacy Policy.
  • Marketing Purposes: We may share your information for our marketing purposes, including joint marketing with other financial companies.
  • With Your Consent: We may share and disclose information, with your consent, or at your direction. For example, we may share your information with third parties with which you authorize us to do so, such as the social media services that you connect to from our website.
  • Aggregated or De-Identified Information: We may share information that has been aggregated or reasonably de-identified, so that the information could not reasonably be used to identify you. For instance, we may publish aggregate statistics about the use of our website.

License

Portions of this Notice were adapted from a policy provided by Auttomatic, and is used under a Creative Commons Sharealike license.

How Long We Keep Information

We generally discard information about you when we no longer need the information for the purposes for which we collect and use it–which are described in the section above on How and Why We Use Information and we are not legally required to continue to keep it.

For example, we keep the web server logs for a period of time in order to, among other things, analyze traffic to the website and investigate issues if something goes wrong.

Security

While no online service is 100% secure, we work very hard to protect information about you against unauthorized access, use, alteration, or destruction, and take reasonable measures to do so, such as monitoring our website for potential vulnerabilities and attacks.

Choices

You have several choices available when it comes to information about you:

  • Limit the Information that You Provide: you may choose to not use the form available on the Contact page of our website. You may instead choose to call (256) 259-6000 or email us directly: info@accessfnb.com. To report a lost or stolen debit card call (800) 500-1044. To report a lost or stolen credit card call (855) 401-4753.
  • Limit Access to Information On Your Mobile Device: Your mobile device operating system should provide you with the ability to discontinue our ability to collect stored information or location information. If you do so, you may not be able to use certain features (like locating you using a Google Maps embedded feature for directions, for example).
  • Set Your Browser to Reject Cookies: Please see the section below on How to Manage Cookies.

How to Manage Cookies

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

You can choose not to accept cookies from any website, by changing the settings of your browser. You can also delete cookies stored in your browser at any time.

For more information about cookies, including how to delete them from your computer and configure your browser to refuse them from any other site, visit the following resource, or refer to your individual browser settings for additional information on disabling cookies:

Visiting this FNB Website From Outside the United States

Our website The Site is intended for U.S. residents. You are not authorized to access and use the Site if you are located outside the U.S.

Children’s Privacy

Our website does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child have provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Online Privacy Notice

We may update our Online Privacy Notice from time to time. We will notify you of any changes by posting the new Online Privacy Notice on this page.

We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective and update the “effective date” at the top of this Online Privacy Notice.

You are advised to review this Online Privacy Notice periodically for any changes. Changes to this Online Privacy Notice are effective when they are posted on this page.

Contact Us

If you have a question about this Online Privacy Notice, or you would like to contact us about any of the rights mentioned in the Your Rights section above, please contact us.

FNB Bank
P.O. Box 130
Scottsboro, AL 35768
(256) 259-6000
info@accessfnb.com

Change Log

MM/DD/2018: Notice added to accessfnb.com.

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