Privacy Policy

Rev. 12/2010

FACTS WHAT DOES FIRST COMMERICAL BANK, N.A. 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   Income
  • Account balances          and   Transaction history
  • Credit history               and   Payment history
 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 Commercial Bank, N.A. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does First Commercial 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 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 our affiliates or nonaffiliates to market to you

 

No We don't share

For nonaffiliates to market to you

 

No We don't share

 

Questions?

Call 830-379-8390 or go to www.1cb.com

 

Who we are

Who is providing this notice? First Commercial Bank, N.A.

 

What we do

How does First Commercial Bank, N.A. 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 Commercial Bank, N.A. collect my personal information? We collect your personal information, for example, when you
  • Open an account           or   Apply for a loan
  • Pay your bills                or   Make a wire transfer
  • Use your credit or debit card
  • 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 Commercial Bank, N.A. does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control.  They can be financial and nonfinancial companies.
  • First Commercial Bank, N.A.  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 Commercial Bank, N.A. doesn't jointly market.

 

Other important information