Privacy Policy

Rev [3/2010]

FACTS: WHAT DOES THE FIRST BANK OF CELESTE 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
  • Account balances
  • Payment history
  • Transaction history
  • Overdraft history
  • Checking account 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 The First Bank of Celeste chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does The First Bank of Celeste 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
NO We don't share
For our affiliates' everyday business purposes—
information about your creditworthiness
NO We don't share
For non-affiliates to market to you NO We don't share


Questions? Call 903-568-4211.

WHAT WE DO

How does The First Bank of Celeste 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does The First Bank of Celeste collect my personal information?

We collect your personal information, for example, when you:
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Make a wire transfer
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.

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.
  • The First Bank of Celeste does not share with our affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • The First Bank of Celeste 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.
  • The First Bank of Celeste doesn't jointly market.

OTHER IMPORTANT INFORMATION For Texas Customers. The First Bank of Celeste is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the First Bank of Celeste should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: consumer.complaints@dob.texas.gov, Website: www.dob.texas.gov.
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