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Privacy Policy
| FACTS |
WHAT DOES 1st BANK MULESHOE DO WITH YOUR PERSONAL INFORMATION? |
| 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
- Account Balances
- Payment History
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- Transaction history
- Transaction or loss history
- Overdraft History
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When you are no longer our customer, we continue to share your information as described in this notice.
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| 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 1st Bank Muleshoe chooses to share; and whether you can limit this sharing. |
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| Reasons we can share your personal information |
Does 1st Bank of Muleshoe Share?
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Can you limit this sharing?
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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 |
No |
We Don't Share |
| For joint marketing with other financial companies |
No |
We Don't Share |
For our affiliates’ everyday business purposes—
information about your transactions and experiences |
No |
We Don't Share |
| 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 |
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| What we do |
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How does 1st Bank Muleshoe
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 1st Bank Muleshoe
collect my personal information? |
We collect your personal information, for example, when you
- Open and account
- Apply for a loan
- Make deposits or withdrawals from your account
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- Give us your income information
- Make a wire transfer
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We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.
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| 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
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| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and non financial companies.
- 1st Bank Muleshoe does not share with our affiliates.
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| Non Affiliates |
Companies not related by common ownership or control. They can be financial and non financial companies.
- 1st Bank Muleshoe does not share with non Affiliates so they can market to you.
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| Joint Marketing |
A formal agreement between non affiliated financial companies that together market financial products or services to you.
- 1st Bank Muleshoe doesn't jointly market.
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| Other Important Information |
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For Texas customers. The 1st Bank of Muleshoe is chartered, licensed, or registered under the laws of the State of Texas, and by state law is subject to regulatory oversight by the Texas Department of Banking. Any customer wishing to file a complaint against the 1st Bank Muleshoe should contact the Texas Department of Banking through one of the means indicated below.
In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4294
Telephone Number: 877/276/5554
Fax Number: 512/475/1313
Email: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us
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NOTICE: OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.FDIC.gov
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