Privacy Policy What does First Community Financial 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 income
  • Account balances and payment history
  • Transaction history and account transactions


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 Community Financial Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does First Community
Financial 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 everyday business purposes— information about your transactions and experiences Yes No
For our everyday business purposes— information about your creditworthiness No We don’t share
For nonaffiliates to market to you No We don’t share

Questions? Call 815/725-0123 or go to www.fcbankgroup.com

Who We Are  
Who is providing this notice? This privacy policy is being provided by First Community Financial Bank
How does First Community Financial 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. We restrict non-public information about you to those employees that have a business purpose in knowing such information.
How does First Community Financial Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • make deposits or withdrawals from your account


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  
Nonaffiliates

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

  • First Community Financial 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 Community Financial Bank doesn’t jointly market.

 

Other important information

Illinois law requires that you authorize or opt-in to information sharing. Therefore, before we would share your information to third parties, except where permitted by law, we will obtain your authorization.

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