Secure Online Banking

Personal Cash Management

Privacy Policy

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean The First Citizens National Bank of Upper Sandusky. 

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers: 

 

  • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): 
    • Deposit account 
    • Loan account 
    • Credit card account 
    • Safe deposit box 
    • Retail installment contract we hold and service 
    • Self-directed Individual Retirement Account 
    • ATM/Debit card 

 

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. 

 

We first define some terms. 

 

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section. 

 

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. 

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

 

THE INFORMATION WE COLLECT

We collect information about you from the following sources: 

 

  • Information you give us on applications or other forms 
  • Information about your transactions with us 
  • Information about your transactions with other parties 
  • Information from a consumer reporting agency 
  • Information we receive through our Customer Identification Program 

 

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION 

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. 

 

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. 

 

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law. 

 

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

 

  • Information you give us on an application or other forms, such as: 
    • Name 
    • Address 
    • Social Security Number 
    • Assets 
    • Telephone number 

 

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. 

Types of Businesses 

We may disclose information pursuant to joint marketing agreements to the following types of businesses: 

 

  • Financial service providers, such as: 
    • Securities broker-dealers

 

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services. 

Future Disclosure To Joint Marketers 

We also reserve the right to disclose the following additional information about you to joint marketers in the future:

 

  • Information you give us on an application or other forms, such as: 
    • Income 
  • Information about your transactions with us, such as: 
    • Account balances 
    • Account activity 
    • Types of accounts 
    • Payment history 
    • Deposit history 
  • Information we receive from a credit reporting agency, such as: 
    • Creditworthiness 
    • Credit history 

 

You may not opt out of the disclosure of the information listed above. 

We may disclose this information to the joint marketers listed under the heading Types of Businesses. 

 

If the customer prefers that we do not contact them by mail, telephone, or e-mail to offer them additional First Citizens National Bank products and services, they need to be prepared to supply us with certain information and if that information changes they will need to contact us.

 

They may notify us by:

 

  • Calling our Customer Service toll-free line - 1-888-378-1860 between the hours of 8:30 AM - 4:00 PM Monday through Thursday, 8:30 AM - 6:00 PM Friday and 8:30 AM - Noon Saturday
  • Notifying us at: www.firstcitizensnational.com (use the "contact us" link)
  • Mailing us at: 100 North Sandusky Avenue, P.O. Box 299, Upper Sandusky, Ohio 43351-0299, or
  • Talking to a First Citizens National Bank customer service representative at any banking center.

 

Choosing to opt out from this additional information may limit opportunities for them to receive offers about First Citizens National Bank products and services that may be of value to them. Any consumer may request a copy of this policy. Such a request will be honored within fifteen days of the request being received.

 

This information will be processed and honored by The First Citizens National Bank and its joint marketers for a minimum of five years and maintained by The First Citizens National Bank marketing department.

 

© 2000 Wolters Kluwer Financial Services - Bankers Systems™ 
Form PRIV-DISC 9/4/2001 Custom 2.1/1417