| |
|
Why?
|
Financial companies choose how they share your personal
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:
- Social Security number, income and your address
- Account Balances and payment history
- Credit history and credit scores
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 financial companies can share their customers'
personal information; the reasons First Commercial Bank (USA)
chooses to share; and whether you can limit this sharing.
|
| Reasons we can share your personal information |
Does First Commercial Bank (USA) 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 report 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 |
We don't share |
For our affiliates' everyday business purposes —
information about your transactions and experiences
|
Yes |
No |
For our affiliates' everyday business purposes —
information about your creditworthiness
|
No |
We don't share |
|
For nonaffiliates to market to you
|
No |
We don't share |
| What we do |
|
How does First Commercial Bank (USA) 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.
|
|
How does First Commercial Bank (USA) collect my personal information?
|
We collect your personal information, for example, when you
- Open an account or Deposit money
- Pay our bills or Apply for a loan
- Use your debit card
We also collect your personal information from others, such as credit
bureaus or other companies.
|
|
Why can't I limit all sharing?
|
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes- information
about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to
limit sharing.
|
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be
financial and nonfinancial companies.
"First Commercial Bank (USA) does
not share with our affiliates."
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
"First Commercial Bank (USA) does not share with
nonaffiliates so they can market to you."
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
"First Commercial Bank (USA) doesn't jointly
market."
|
 
|
