Privacy Policy

Privacy Policy

What does FNB Gilmer and its branches 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
  • Transaction history
  • Credit history
  • Credit scores
  • Account transactions
  • Checking account information

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 Gilmer chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does First National Bank of Gilmer 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
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don’t share

To limit our sharing

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?

Call toll-free 888/362-4456 or send us an e-mail.

What We Do

How does First National Bank of Gilmer 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.
We maintain strict physical, electronic, and procedural safeguards to protect your information and we limit access to information to those employees for whom access is appropriate.

How does First National Bank of Gilmer collect my personal information?
We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Apply for insurance
  • Give us your income information
  • Give us your contact information

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.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include:
  • Financial companies such as: All-Star Insurance

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

  • First National Bank of Gilmer 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.

  • First National Bank of Gilmer doesn’t jointly market.