Privacy Policy
The First National Bank of Fort Smith
Citizens Bank and Trust Company
National Bank of Sallisaw
Bank of Rogers
We know the safeguarding of your financial information is the
basic trust you have placed in us as your Financial Service
Provider. Our responsibility to keep the information you provide
to us secure and confidential is of the highest priority. We
want you to know that our commitment to protect your privacy
will extend to all areas of the bank, and you can trust us to
keep you informed on the measures we take to protect your
privacy. Please be assured that we do not sell our customer
information or customer lists to outside marketing firms or
agencies. This privacy notice describes what information we
collect and how we use it.
Institutions Covered By This Notice:
This notice reflects the privacy policy and information sharing
practices for: The First National Bank of Fort Smith, Citizens
Bank and Trust Company, National Bank of Sallisaw, and Bank of
Rogers.
Some of the terms we use in this notice may be new to you.
Therefore, for the purpose of this disclosure, we provide the
following definitions for those terms:
Affiliate, means any company that controls, is controlled by, or
is under common control with another company.
Non-affiliated Third Party, means any person except:
(1) Our affiliate; or
(2) A person employed jointly by us and any company that is not
our affiliate.
Non-public Personal Information, means:
(1) Personally identifiable financial information; and
(2) Any list, description, or other grouping of consumers (and
publicly available information pertaining to them) that is
derived using any personally identifiable financial information
that is not publicly available.
“You” or “Your” for the purpose of this disclosure and statement
mean,
(1) Our consumer customers that maintain account relationships
by purchasing or holding financial products or
services such as:
- Deposit Accounts
- Loan Accounts
- Safe Deposit Box Services
- Retail Installment Contracts we hold and service
- Insurance Policies issued by or through us
- Financial, Investment, or Economic Advisory Services
- All Managed or Custodial Agency Accounts
(2) All IRA Accounts for which we act as custodian
(3) Former Customers
Information We Collect:
The information we collect is used for a variety of reasons.
These reasons may include advising you of our products and
services, to facilitate and process transactions in servicing
your accounts, and to safeguard and protect your account from
unauthorized access. The information we collect includes:
- Information provided by you to support applications for services
and other forms we may use;
- Information from your transactions with us, or our affiliates;
- Information from your transactions with nonaffiliated third
parties; and
- Information we receive from a consumer reporting agency, such as
credit bureau reports and other information relating to your
creditworthiness.
Disclosure of Nonpublic Personal Information
We do not disclose nonpublic personal information about you to
nonaffiliated third parties except as disclosed in this notice,
or as permitted by law . We may disclose this information to
service providers and companies that perform services for us
such as processing your transactions. We may disclose nonpublic
personal information to other financial institutions with which
we have joint marketing agreements with respect to financial
products and services, provided that the other financial
institutions agree to maintain standards of confidentiality
similar to our standards and to use the information only for the
purposes for which it was disclosed. We may disclose nonpublic
personal information about you in order to prevent unauthorized
transactions. We may also provide nonpublic information about
you to our regulatory agencies, auditors, or other parties as
required or allowed by law such as court orders or subpoenas.
Confidentiality and Security of Nonpublic Personal Information
We restrict access to your information to those employees who
need to know this information to provide products or services to
you. We maintain physical, electronic, and procedural safeguards
that comply with federal requirements to protect this
information. We require other companies that we do business
with, to maintain these safeguard procedures as well.
Information Sharing Practices Concerning our Affiliates
We may disclose nonpublic personal financial information about
you to the following types of affiliates:
Financial service providers, such as:
- Commercial Banks
- Real Estate Appraisal Companies
- Insurance Agencies
The nonpublic personal information we share with our affiliates
is limited to your “Transaction and Experience” with us that is
maintained in our account records. This information may include:
- Names Account activity Payment histories
- Addresses Types of accounts Deposit histories
- Account balances Parties to transactions Policy coverage
- Account numbers Social Security numbers Premiums
Federal law allows us to disclose the above listed information
with our affiliates. You do not have a right to opt out of the
disclosure of this information.
Information Sharing Practices Concerning our Former Customers
We may share nonpublic personal information about our former
customers to those entities allowed by law and to our
affiliates. However, our policy concerning the sharing of
nonpublic personal information about our former customers does
not differ from our policy concerning present customers.
Information We Report to Consumer Reporting Agencies
Please notify us if we report any inaccurate information about
your account(s) to a consumer reporting agency. Your written
notice describing the specific inaccuracy(ies) should be sent to
the respective institutions at the following addresses:
- First National Bank of Fort Smith
P. O. Box 7
Fort Smith, Arkansas 72902
(479) 782-2041
www.fnbfs.com
- Citizens Bank & Trust Company
P. O. Box 469
Van Buren, Arkansas 72957
(479) 474-1201
www.cbankandtrust.com
- National Bank of Sallisaw
P. O. Box 549
Sallisaw, Oklahoma 74955
(918) 775-5501
www.banknbs.com
- Bank of Rogers
P.O. Box 699
Rogers, Arkansas 72757
(479) 621-6800
www.bankrogers.com
We appreciate the opportunity to be your financial service
provider and invite your questions concerning our privacy policy
and notice. Should you have questions please contact us at the
addresses and telephone numbers listed above.
