Privacy Notice

This notice accurately summarizes our policies and practices regarding the collection, use, retention, and safeguarding of nonpublic personal information concerning those customers of ours who obtain a financial product or service from us that is to be used primarily for personal, family, or household purposes.

Our web site uses a feature of your browser called a "cookie". Cookies, by themselves, cannot be used to find out the identity of any user.  FNB Bank automatically identifies your computer - but not you - to our servers when you visit We will never know who you are if you are just browsing our site, unless you specifically tell us by completing an application.

Our web site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

Our web site and the Services are intended for use only by adults. We comply with the Children's Online Privacy Protection Act and do not knowingly solicit or collect information from children.

What Information We Collect

We may collect "nonpublic personal information" about you from the following sources:

  • Information we receive from you on applications or other loan and account forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" means any personally identifiable financial information about you, including information about you on a list, that is not publicly available.

What Information We Disclose

We may disclose all the info we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. If you decide to close your account(s) or become an inactive customer, we will adhere to the Privacy Policies and practices as described in this notice. We are permitted under law to disclose nonpublic personal information about you to our affiliates and third parties in certain circumstances.

Safeguarding Customer Information

We restrict access to your nonpublic personal information to those of our employees who need to know that information to provide products or services to you, process and service your accounts, and administer business. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information.