Privacy Policy

Rev. 03/2017

FACTS

WHAT DOES FIRST NATIONAL COMMUNITY 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
Assets and account balances
Credit history and credit card or other debt

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 FIRST NATIONAL COMMUNITY BANK chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does FIRST NATIONAL COMMUNITY BANK 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 affiliate’s everyday business purposes – information about your transactions and experiences	No	We don't share
For our affiliate’s 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 our nonaffiliates to market to you	No	We don't share

Questions

Call 800-514-3412 or email: info@fnc.bank to request a copy, which will be mailed to you within 10 days. You can also download and print a copy:

Printable Privacy Policy PDF

This noticed changed March 2017.

Who we are

Who is providing this notice?

FIRST NATIONAL COMMUNITY BANK

What we do

How does FIRST NATIONAL COMMUNITY 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 FIRST NATIONAL COMMUNITY BANK collect my personal information?

We collect your personal information, for example, when you

Open an account or apply for a loan
Show your government-issued ID or give us your wage statements
Provide account 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.

Definitions

Affiliates

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

FIRST NATIONAL COMMUNITY BANK does not share with our affiliates.

Nonaffiliates

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

FIRST NATIONAL COMMUNITY BANK 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 COMMUNITY BANK doesn't jointly market.

What our customers are saying

I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!

Cory

FNC Bank has been our bank for over 40 years! Never had any issues. Great service!

Richard

Small town service with a smile, big city offerings!

Patty

So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud. Customer service reps in both situations were wonderful.

Jamie

Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.

Shawn

(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.

Mindy

This is the best bank ever! I love you guys for all you've done for me over the years!

Jennifer

Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.

Deborah

Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!

Auir

I appreciate that FNCB keeps up with all the current technology.

Kathryn

Always treated as family with every interaction!

Byron

We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.

Arthur

The best bank I have ever used. Everyone is has been so kind and helpful!

Lisa

Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!

Kate

We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!

Doreen

Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.

Christine

I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.

Jean

Have been extremely happy for the past 32 years as a customer.

James

(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.

Tiffany

I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.

Christyl