Privacy & Security

WHAT DOES FIRST ADVANTAGE BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your 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:

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 First Advantage Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does First Advantage 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 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
For our affiliates' everyday business purposes Information about your transactions and experiences YES NO
For our affiliates' everyday business purposes Information about your credit worthiness NO
For nonaffiliated to market to you NO

Questions

Call 931.552.6176 or toll free 800.552.9291 or go to www.firstadvantagebanking.com

What We Do

How does First Advantage 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does First Advantage collect my personal information?

We collect your personal information, for example, when you

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can't limit all sharing?

Federal law gives you the right to limit only:

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial as non-financial companies. Our affiliates include: Financial companies such as:

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies:

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers.

We will not share personal information with nonaffilates either for them to market to you or for joint marketing without your authorization.

For California Customers.

We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers.

We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For Vermont Customers.

We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization and we will not share personal information with affiliates about your creditworthiness without your authorization.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS 

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.