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Privacy Policy

What Does FNB Bank Do With Your Personal Information? Rev. Date 11/2021
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 Account balances Payment history Overdraft history Credit Score and Credit history Income IP address Phone number Email address 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 FNB Bank chooses to share, and whether you can limit this sharing.

What Does FNB Bank Do With Your Personal Information?

Rev. Date 11/2021

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
Account balances
Payment history
Overdraft history
Credit Score and Credit history
Income
IP address
Phone number
Email address

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 FNB Bank chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does FNB Bank Share?	Can You Limit This Sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), verify your identity, 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 Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share

Permission	Function
Application Permissions Users of the FNB Bank mobile banking application downloaded from Google Play and the Apple App Store have access to a variety of features, some that may require permissions. These permissions are optional. Below are the permissions and what they are used for.
Location	This application needs access to your location to direct you to the closest financial institution or ATM.
Browser or Device Information	Most browsers or devices collect information such as computer type, screen resolutions, operating system name and version, internet browser, the name and version of the application you are using. This information is used to make sure that everything in the application is functioning properly.
Camera	The application needs access to your camera to take pictures of checks for mobile deposit.
Images	When you deposit a check with mobile deposit an image is transmitted, but not stored on the device, for the transaction.
Post Notifications	If you enable post notifications, you could receive notifications regarding transactions and accounts.
Biometrics	Enabling access to biometrics and fingerprints stored in your phone allows you to use these methods to login to your account, instead of using your password.
Application Information	When you download and use this application, we may track and collect usage data based on your specific device.

What We Do
How does FNB Bank protect my 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 FNB Bank collect my Personal information?	We collect your personal information, for example, when you Open an account or deposit money Apply for a loan Pay your bills Use your debit card Use online banking We also collect your personal information from others such as credit bureaus 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 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 non-financial companies. FNB Bank does not have affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. FNB Bank 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. FNB Bank does not jointly market.

Other Important Information