Privacy Policy

Who we are
Who is providing this notice First National Bank of Waterloo
What we do
How does First National Bank of Waterloo 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 secure files and buildings.
How does First National Bank of Waterloo collect my personal information? We collect your personal information, for example, when you open an account, deposit money, make a withdrawal, apply for a loan, use your ATM/Debit card or seek financial or tax advice.  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 of non-affiliates 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 Bank of Waterloo does share with our affiliates.
Non-Affiliates Companies not related by common ownership or control.  They can be financial and nonfinancial companies.
*First National Bank of Waterloo does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
*First National Bank of Waterloo doesn't jointly market.
 
FACTS WHAT DOES First National Bank of Waterloo DO WITH YOUR PERSONAL INFORMATION?
 
Why? Financial companies choose how they share 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 typical personal information we collect and share depend on the product or service you have with us.  This personal information can include:
*Social Security Number
*Account Balance and Payment History
*Credit History and Credit Score
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 Bank of Waterloo chooses to share; and whether you can limit this sharing.
 
  Does First National Bank of Waterloo 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 No We don't share
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 Yes Yes
For nonaffiliates to market to you No We don't share
For our affiliates to market to you No We don't share
 
Questions?  Call First National Bank of Waterloo at 618-939-6194