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

My wife and I had a wonderful experience working with [Mortgage Lender] to purchase our new home! [Lender] was very knowledgeable and always made time for us and our many questions. Nothing but good things to say about the process!

Nathan

[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 house/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 worked with [Mortgage Lender] on the purchase of an investment property. The transaction was absolutely seamless, he was able to secure a competitive rate and provided immediate communication and feedback whenever a question or concern came up. I would recommend working with him for your home loan or investment mortgage needs.

Steve

Had the privilege to work with [Mortgage Lender] on the purchase of my first home. [Lender] was fantastic to work with as he was available at all times and was able to assist me with any questions I had. Would highly recommend working with him!

Sebastian

I have been a patron of the Bank since 1974. Never had a bad experience, and was always able to work with the bank to solve my banking needs.

Arthur

My wife and I were very pleased with our experience as 1st time homebuyers, having never gone through the mortgage process. We worked directly with [Mortgage Lender]. He always had time for us and our questions, providing great answers. He had us prepared for current step and was great about letting us know what was up and coming. Would definitely work with [Mortgage Lender] again!

Kyle

I recently had the pleasure to work with [Mortgage Lender] for mortgage lending on my first home. He was absolutely the best to work with. He made the entire process easy and a lot less stressful to handle. It was clear he was knowledgeable and had my best interest at heart and I really appreciate his timely efforts in communication in such a fast-paced market. He exceeded all my expectations for a lender and I am so glad to have gone through him for my first mortgage! Thank you so much!

Casey

I had a wonderful experience as a first time home buyer working with [Mortgage Lender]. Through the process he kept me informed and up to date on everything going on and I never felt out of the loop. My first time buying experience was a breeze and I owe a large part of that to him. I would highly recommend [Lender] to anyone in need of a loan. If you want someone who is professional, knowledgeable, and truly cares, he is the perfect person for the job.

Rachel

As first time home buyers, my husband and I were very pleased to work with [Mortgage Lender] for our mortgage. He exceeded our expectations—providing answers to all of our questions, communicating with us at every turn, and always being friendly and personable! Highly recommend working with him!

Kylie

If I could give them 10 stars I would! [Business Banker] has been awesome to work with. He made my business start up process so easy. I'm so grateful for him and the other staff who have just been awesome to work with.

Mark

We just closed on a home working with [Mortgage Lender] at FNC Bank and he made the process so easy and stress-free. [Lender] is very knowledgeable and always answered our questions right away. Can't recommend enough!

Markell

We worked with [Mortgage Lender] on a construction loan. His follow up and communication were impeccable leading up to the close. [Lender] is very personable and professional. I highly recommend him and FNC for your banking needs.

Scott

FNC Bank has been our bank for over a decade. The customer service is first rate and I love the small town branch vs the big banks.

Karin

My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called [Business Banker]. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.

Mindy

My husband and I just bought our first home, and [Mortgage Lender] at First National Bank Hudson made the whole mortgage process a breeze! As first-time homebuyers, we had so many questions, and he was super patient and helpful every step of the way. He took the time to explain everything in a way we could understand and always made sure we felt comfortable with the process. We’re so grateful for his guidance and couldn’t be happier with how everything turned out.

Andrea

Great small town bank, I love that they know who you are when you walk in the door or call.

Errin

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.

Shawn

My business partner and I were searching for banks to help us through the process of obtaining a loan so that we could open our insurance agency. [Business Banker] at the Hudson branch was amazing to work with. He was knowledgeable, available, and awesome. We couldn't have been happier with the experience that we had with him at FNC bank.

Cody

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

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