Privacy Notice
First Bank and Trust
Our Privacy Commitment to You
At First Bank and Trust, we recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of all consumers who visit our institution and website.
Confidentiality and Security of Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us, our affiliates, or others
- Information we receive from a consumer reporting agency
Nonpublic Personal Information We Disclose
We may disclose all of the information that we collect, as described above.
Parties to Whom We Disclose Nonpublic Personal Information
We may disclose nonpublic personal information about you to the following types of third parties:
- Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents; and
- Non-financial companies, such as retailers, direct marketers, airlines, and publishers; and
- Others, such as non-profit organizations.
We may also disclose nonpublic personal information about you to affiliated and nonaffiliated third parties as permitted by law.
Joint Marketing / Service Provider Disclosure
We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
Fair Credit Reporting Act Information Sharing Opt Out
Under the Fair Credit Reporting Act, we have a right to share information regarding our transactions or experiences with you. Unless you instruct otherwise, we also have the right to share any other information about you with our affiliates (persons related by common ownership or affiliated by corporate control, now or in the future) either directly or indirectly. This other information may include, but is not limited to, application information, credit reports from a consumer reporting agency, and any other information we have about you. If you do not want us to share this other information with our affiliates you may utilize the opt out methods set forth below.
Your Choice to Limit Marketing
Federal law gives you the right to limit some but not all marketing from our affiliates. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from our affiliates.
You may limit our affiliates in the First Trust (FT) group of companies, such as our insurance and securities affiliates, from marketing their products or services to you based on your personal information that we collect and share with them. This other information may include, but is not limited to, application information, including your income; your account history with us; credit reports from a consumer reporting agency, including your credit score; and any other information we have about you.
Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice.
Opt Out Information
Financial Products or Services to Which Your Opt Out Applies
If you elect to opt out of information sharing we will treat that opt out as applying to all financial products or services that you have obtained from us in the past or that you may obtain from us in the future.
Your Right to Opt Out of Information Sharing. If you prefer that we not disclose nonpublic personal information about you or information not solely related to transactions or experiences with you to our affiliated companies or nonaffiliated third parties, you may opt out of those disclosures, that is you may direct us not to make those disclosures (other than disclosures permitted by law).
We will treat an opt out direction by any joint account holder as applying to all parties on the account.
How to Opt Out of Information Sharing. To opt out of sharing information with our affiliated companies and/or nonaffiliated third parties, you can call us at 888-287-9621 or you can complete and return the Notice of Intent to Opt Out to the following address:
First Bank and Trust
ATTN: Deposit Operations
909 Poydras Street, Suite 3300
New Orleans, LA 70112.
How to Opt Out of Affiliate Marketing. To limit marketing from our affiliates, you can call us at 888-287-9621 or you can complete and return the Notice of Intent to Opt Out to the following address:
First Bank and Trust
ATTN: Deposit Operations
909 Poydras Street, Suite 3300
New Orleans, LA 70112.
Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:
First Bank and Trust
Loan Operations Department
909 Poydras Street, Suite 3300
New Orleans, LA 70112.
Updates and Effective Date. Any material changes to the Privacy Notice will be posted on this website. The effective date of the Privacy Notice is July 10, 2009.
Equal Housing Lender