Privacy Policy

At First National Bank, the basis of each customer relationship, many of which span generations, is trust.  You have chosen to do business with First National Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.  We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.  We believe we can do both through the privacy policy outlined below.

Expectation of Privacy

At First National Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities.  And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for First National Bank.

Information Practices

We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes-and we will tell you why we are collecting and retaining it upon request. We use information  to protect and administer your records, accounts, and funds: to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. Our Use of Information provisions explains these concepts in greater detail.

Accuracy of Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information

Each First National Bank employee is required to follow our Company's "Code of Conduct", which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

Protection of Information via Established Security Procedures

First National Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information

It is the bank's policy not to reveal specific information about customer accounts or other personally identifiable date to unaffiliated third parties for their independent use, except for  the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matter, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests or permits it; 3) the disclosure is required by or allowed by law (e.g. subpoena, investigation of fraudulent activity, request by regulator, etc.) or 4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e.. "opt out").

Maintaining Customer Privacy in Business Relationship with Third Parties

When we do provide customer information to a third party, we will insist-through a written agreement that the third party adhere to privacy principles similar to those to which First National Bank adheres for keeping this information confidential.

Providing Privacy Information to customers and responding to Inquiries

First National Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call the First National Bank at 598-6111or email us at fnb-manchester.com.