Our Privacy Policy

The First National Bank of Niagara values the trust you have placed in us and recognizes your expectation of privacy.  We are dedicated to protect information you provide to us and to use it only for the purpose intended.  We collect information about you for the purpose of providing financial services to you and to meet legal and regulatory requirements.

The First National Bank of Niagara has never rented or sold customer information to outside marketing companies and pledges it never will.  We strive to maintain the highest degree of accuracy in our information systems.

In order to provide quality banking products, printed checks, and certain insurance products to our customer, we have entered into joint marketing agreements as well as service agreements with outside vendors.  To protect your privacy, we work only with companies that agree to maintain strict confidentiality protections and limit the use of information we provide.  We do not permit these companies to use or sell your information to other third parties.

Information We Collect

In order to offer you useful financial products and services, such as deposit accounts and loans, we collect nonpublic information about you from some or all of the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and,
• Information we receive from a consumer reporting agency.

Information we receive on applications may include: name, address, telephone number, social security number, date of birth, employment history, income, and assets and liabilities.  Some of this information may be required by law, such as social security number for the tax reporting of interest paid to you on a deposit account.

Transaction information may include checks deposited or written, loan payment history, etc.

Information from a consumer reporting agency is collected when you authorize it, such as when you apply for a loan.  This information is used to verify information provided on you loan application, as well as to provide a history of your credit transactions with other lenders or certain other service providers, such as utility companies.

Information We Disclose

We do not disclose any nonpublic personal information about you or other current or former customers to affiliates or non-affiliated third parties, except consumer credit reporting agencies or as provided or required by law, unless authorized by you.

Our Confidentiality and Security Practices

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or service to you, such as to open a deposit account or to make or service a loan.  We maintain physical, electronic and procedural safeguards that comply with Federal regulations and applicable laws to guard your nonpublic personal information.

Questions Concerning Privacy of Your Account Information

If you have any questions about the type or accuracy of information we have gathered, or may gather in the future, please direct your inquiry to:

Security Officer
The First National Bank of Niagara
PO Box 25
Niagara, Wisconsin  54151