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Privacy Statement & Legal Information

Privacy Statement

First National Bank of North Arkansas takes seriously its obligation to protect the confidentiality of information provided by customers and Web site visitors. Our goal is to protect our customers and users confidential information no matter how we receive it: over the phone, at our offices, through our ATMs or on line.

You may visit this site to learn about our products and services, find our office nearest you, use our mortgage calculators, and read our shareholder information without giving us any information about yourself. First National Bank of North Arkansas does not automatically collect personal information from visitors to our Web site. First National Bank of North Arkansas will obtain personal information only if you volunteer it, such as by submitting applications, Email or forms.

First National Bank of North Arkansas is committed to compliance with laws and regulations protecting the confidentiality of customer information. First National Bank of North Arkansas employees have guidelines which emphasize their responsibility to safeguard and maintain the privacy and confidentiality of all customer information. First National Bank of North Arkansas uses your information to provide you with products and services you have requested, and this may sometimes require disclosure to third parties, such as a credit bureau, as permitted by law. First National Bank of North Arkansas requires that any such third party adhere to similar privacy principles. In addition, First National Bank of North Arkansas may disclose your information to government regulators and others as required by law.

If you have any questions about safekeeping of your personal information, please call our bank to speak with a customer service representative at (800) 423-6601.

Legal Information

First National Bank of North Arkansas information included in this Web site is protected by the copyright laws of the United States. No part of the information can be copied or redistributed without First National Bank of North Arkansas's prior written consent. All information contained in First National Bank of North Arkansas's Web site, including rates, terms and product fees, is for informational purposes only and is subject to change. Your eligibility for particular products or services is subject to final determination and acceptance by First National Bank of North Arkansas.

The information contained in or accessed from the First National Bank of North Arkansas Web site is provided on an "AS IS" basis. First National Bank of North Arkansas does not warrant the accuracy or completeness of this information, expressed or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement or freedom from computer virus.

In no event will First National Bank of North Arkansas be liable for any direct or indirect, special, incidental, consequential or punitive damages, losses or expenses arising out of or in connection with use of its Web site. Nor will First National Bank of North Arkansas be liable for any failure of performance, interruption, delay in operation or transmission, computer virus, loss of data or otherwise, even if First National Bank of North Arkansas has been advised of the possibility of such damages, losses or expenses.

PRIVACY POLICY DISCLOSURE

We respect your financial privacy and comply with laws and regulations designed to secure your privacy. Your relationship with us is important, and we want you to understand our policies and practices about handling information. We will keep confidential any information about you, but may share information about you with our subsidiaries, affiliated companies and business partners as described below in order to provide better service. "Information" means nonpublic, personal financial information.

Information about YOU may routinely be collected or retained that includes your:

  • Name, address, telephone number, social security number, annual income, current and past employers;
  • Answers to questions on deposit and loan applications; and
  • Deposit and loan balances, overdraft history and payment history with us.

We collect information from consumer reporting agencies regarding credit and checking account histories. In order to better serve you, we also may retain information about the types of products and services you purchase from us to learn about your financial needs and interests. We only share information with others in accordance with our information sharing policies and practices listed below.

Safeguarding Information About YOU

Information that we have about you is available to our employees and agents on a "need to know" basis so they can perform their jobs. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information. We train our employees to protect information we have about you. We also have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make sure they work.

Account Numbers/Access Codes

We will not disclose your account number or access code for a credit card account, deposit account or transaction account to a nonaffiliated third party in order for them to sell you products or services. We may give your account number or access code to consumer reporting agencies because we are allowed or are required to do so by law.

Information Sharing-Affiliates

We share information with affiliates and subsidiaries in order to offer you additional products and services. Subsidiaries are companies we own or control. Affiliates are other companies that are commonly owned or controlled by our parent holding company. Information about you may be obtained from companies or persons outside our affiliates. We may share this "other information" among our affiliates.
United Financial Services (UFS)
First Carroll Bankshares, Inc. (Parent Holding Company)

Information Sharing-Agent Nonaffiliated Companies
We may share information about you with certain nonaffiliated companies that are our agents. We do this to provide convenient access to products or services, or because these companies help us perform necessary business functions or services. Law permits this sharing. Such agents are required to keep confidential any information about you that we give them.

Information Sharing-Nonagent, Nonaffiliated Companies/Persons

We do not share information about you with nonagent, nonaffiliated companies and persons (companies and persons that are not owned or controlled by us) or that are not commonly owned or controlled by our parent holding company. We do not intend to share this information in the future either. However, should we so decide to share such information with these entities, you will be notified in advance in order to have the option of opting out of our sharing of such information with such nonagent, nonaffiliated companies/persons.

Your Opt-Out Rights

At present you do not need to opt-out of any information sharing, since we do not share such information with nonagent, nonaffiliated companies.

Should we decide to share information with any of the below-identified entities, you may opt-out of:

  • Our sharing of "other information" about you with our affiliates under the Federal Fair Credit Reporting Act; and
  • Our sharing of information about you with nonagent, nonaffiliated companies and persons.

You will have the opportunity to opt-out of all or some of this information sharing at any time. To opt-out, you will send your signed statement or you will sign and return our form informing us to stop sharing the information indicated. Once your signed statement/form is received, we will have a reasonable amount of time to stop the information sharing. To revoke your opt-out, you will send your signed statement or you will sign and return our form saying you will permit us to share the information indicated.

Ending your Customer Relationship

When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.

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Personalization Settings

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Welcome

First National Bank of North Arkansas would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again