Privacy Notice

                                                                                                                                                                 Rev. Jan. 1, 2015

Facts WHAT DOES FNBC BANK 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 employment information
  • account balances and wire transfer instructions
  • transaction and overdraft history
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 FNBC Bank and Trust chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does FNBC Bank and Trust 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 No We don't share
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes—
information about your creditworthiness		 No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 708-482-7700 or www.fnbcbt.com
Who We Are
Who is providing this notice? FNBC BANK AND TRUST
What We Do
How does FNBC Bank and Trust 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 FNBC Bank and Trust collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • deposit money or use your credit  or debit card
  • pay your bills

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
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies such as our holding company, F.N.B.C. of LaGrange, Inc. 
Nonaffiliates

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

  • FNBC Bank and Trust does not share with nonaffiliates so they can market to you
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • FNBC Bank and Trust doesn’t jointly market