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Privacy Policy

FACTS WHAT DOES FIRST & FARMERS NATIONAL 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
  • Credit history and credit scores
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 & Farmers National Bank choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does First & Farmers National 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 No
For our affiliates' everyday business purposes-information about your transactions and experiences No No
For our affiliates' everyday business purposes-information about your creditworthiness No No
For nonaffiliates to market to you No No
Who we are
Who is providing this notice? First & Farmers National Bank
What we do
How does First & Farmers National 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.
How does First & Farmers National Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit/withdraw money
  • pay your bills or apply for a home loan
  • use your debit or ATM 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.
  • Our affiliates include holding companies and financial institutions shared under the same parent holding company.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • First & Farmers National Bank, Inc. 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 & Farmers National Bank, Inc. does not jointly market.
Other Important Information

Please contact us if you have any questions or concerns about how First & Farmers National Bank protects your personal information. Call 1-877-677-2350 or visit us online at: www.firstandfarmers.com.