Privacy Policy

Privacy Policy

1. Introduction

At First Trust National Bank (“FTNB,” “we,” “us,” or “our”), your privacy is a top priority. This Privacy Policy explains how we collect, use, store, and protect the personal and financial information you provide when using our services, including accounts, mobile apps, websites, and other banking products (“Services”). By using our Services, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following types of information from you:

• Personal Information: Name, date of birth, address, phone number, email, social security number, and identification documents.
• Financial Information: Account numbers, transaction history, balances, payment details, credit information, and loan information.
• Technical Information: IP addresses, device information, browser type, operating system, and usage data when accessing our Services.
• Communication Data: Emails, messages, or other communications with our customer support team.

3. How We Use Your Information

We use your information for the following purposes:

• To provide and manage your accounts and transactions.
• To process payments, deposits, and fund transfers.
• To assess eligibility for loans, credit, or other banking products.
• To detect and prevent fraud, unauthorized transactions, and illegal activities.
• To send important updates, notifications, and customer service messages.
• To comply with legal, regulatory, and reporting obligations.
• To improve our Services and provide personalized offers, insights, and tools.

4. Information Sharing and Disclosure

FTNB does not sell your personal information. We may share your information with:

• Regulatory Authorities: When required by law, regulation, or legal process.
• Third-Party Service Providers: For transaction processing, IT support, or other services needed to operate our banking services.
• Affiliates and Partners: For specific banking products or services you have requested.
• Fraud Prevention Agencies: To detect and prevent suspicious or illegal activities.

We ensure that all third parties follow strict confidentiality and security standards.

5. Security of Your Information

FTNB uses advanced security measures to protect your personal and financial information, including:

• Encryption and secure communication protocols.
• Multi-factor authentication for account access.
• Regular monitoring and testing of security systems.
• Restricted access to data on a need-to-know basis.

Despite our security measures, no system can be completely secure. You agree to follow our security guidelines and notify us immediately of any unauthorized access.

6. Cookies and Tracking Technologies

We may use cookies, web beacons, and similar technologies to improve your experience on our website and mobile apps. These technologies help us:

• Analyze website and app usage.
• Remember your preferences and settings.
• Deliver personalized content and promotions.

You can manage cookies through your browser settings, but some features of our Services may not function properly if cookies are disabled  

7. Your Rights

You have the right to:

• Access your personal information and transaction history.
• Correct or update inaccurate or incomplete information.
• Request the deletion of certain personal information, subject to legal and regulatory requirements.
• Opt out of marketing communications.

To exercise your rights, please follow the procedures outlined in our Services or contact our support team.

8. Retention of Information

FTNB retains your personal and financial information only as long as necessary to provide our Services, comply with legal obligations, resolve disputes, enforce agreements, and maintain records.

9. Children’s Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Changes to this Privacy Policy

FTNB may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or technology. Updates will be posted on our website with the effective date. Your continued use of our Services constitutes acceptance of any changes.

11. Governing Law

This Privacy Policy is governed by the laws of the United States and the state in which FTNB is headquartered. Any disputes arising under this policy are subject to the exclusive jurisdiction of the courts in that state.