If you believe you are a victim of fraud or identity theft, please contact us at 678-423-6926 for assistance.
First Choice Community Bank 1874, Senoia, Georgia and affiliate First Choice Community Bank, Dallas, Georgia
First Choice Community Bank and its affiliated companies care about you and place a high priority on protecting the privacy of your financial information. We take a wide variety of precautionary measures throughout the bank to safeguard the confidentiality of your personal and financial information.
We also want to ensure that you receive all the information you may need to maximize the benefits you receive from your financial relationship with us. But above all, we want you to know that we do not sell any of your personal information to anyone, nor do we allow any third party we do business with to sell this information.
Please read the following for details.
INFORMATION WE COLLECT ABOUT YOU
We collect information necessary to deliver quality products and services to our customers. We collect nonpublic personal information about you from the following sources:
Categories of Nonpublic Personal Information We May Disclose
From time to time, we may provide information to reputable companies who help deliver our services to you or inform you about financial products and services. We only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a financial service to you. These companies are prevented by legal agreement from using this information for their own purposes or selling this information to others.
We may disclose the following kinds of nonpublic personal information about you:
Nonpublic Personal Information and Affiliates
We may disclose nonpublic personal information that we collect about you, as described above, to our affiliate banks in order to provide you with better service and information about financial products that may interest you. For example, we may disclose transaction and account experience information about you to our banking affiliates such as name, address, account balances, account activity, types of accounts, payment history, deposit history, and parties to the transaction. However, we do not disclose nonpublic personal information obtained from credit reports to our affiliates unless it is in response to your request.
Nonpublic Personal Information and Nonaffiliated Third Parties
We are permitted under law to disclose all of the nonpublic information that we collect about you, as described above, to nonaffiliated third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to nonaffiliated third parties in order to offer or support a product or service that you have requested or that you already have with us. We may also disclose nonpublic personal information about you to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose nonpublic personal information about you to nonaffiliated third parties to assist us in maintaining or servicing your loan or account with us. In all of these cases when we share this information with nonaffiliated third parties, we have confidentiality agreements with such parties that prohibit them from using customer information in any way other than as we direct. We may also disclose nonpublic personal information about you as legally required, such as to governmental entities and others in response to subpoenas. We may also disclose nonpublic personal information about you to credit bureaus for credit reporting purposes.
DISCLOSURE OF INFORMATION ABOUT FORMER CUSTOMERS
If you terminate your relationship with First Choice Community Bank or its affiliates, we will not share information we have collected about you, except as may be permitted or required by law.
HOW TO LIMIT MARKETING FROM OTHERS
The National Do Not Call Registry gives you a choice about whether to receive telemarketing call at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at >https://www.donotcall.gov/. You can register your home or mobile phone for free. Your registration will be effective for five years.
The Credit Reporting Industry Prescreening Opt Out gives you a choice about whether to receive mail or e-mail pre-approval credit solicitations. You can register by calling 888-567-8688 or visit optoutprescreen.com. You may also contact the Direct Marketing Association and request your information be placed on its do not contact lists. You must include your name, address, telephone number and signature with your request.
ACCURACY OF INFORMATION
We strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. We are committed to resolving any inaccuracies as quickly as possible.
Credit Reporting Agencies
If you believe we have reported inaccurate information about your account to any credit-reporting agency, please let us know in writing. Be sure to include your complete name, current address, Social Security Number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. Send your notice to: First Choice Community Bank, P.O. Drawer 369, Senoia, GA 30276. We will investigate your concern and correct any inaccuracies we find. We will inform you of any actions we take.
CONFIDENTIALITY & SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.
The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.
First Choice Community Bank (the Bank) respects the wishes of those customers and prospective customers who do not want to receive telephone solicitation calls from the Bank. The Bank maintains a list containing the telephone numbers and names (if provided) of those persons who have told the Bank that they do not want to receive telephone solicitation calls from the Bank. If you do not wish to receive solicitation calls from the Bank, you can ask us to place your telephone number on our “Do Not Call” list.
If you wish to be added to the Bank’s “Do Not Call” list, contact us in one of the following ways:
The request must provide the ten (10) digit telephone number that is not to be called and the person’s name, if desired. Once a request has been made, the Bank will add the telephone number and name (if provided) to our “Do Not Call” list within thirty (30) days. The Bank will maintain the telephone number and name (if provided) on its “Do Not Call” list for five (5) years, unless a request is made by the person to have the number removed. If a person’s telephone number changes, another request must be submitted to have the new number added to the Bank’s “Do Not Call” list.
Once your telephone number has been added to the Bank’s “Do Not Call” list, you may still be contacted for non-solicitation purposes. This type of contact could include surveys, billing resolution or other service related matters.
All employees that engage in outbound telephone solicitation are trained in this policy before they are allowed to place calls to consumers and subsequently on a periodic basis. Members of the Bank’s management team review this policy statement on a periodic basis.
The Bank intends to comply with all federal and state Do Not Call laws. If a consumer requests a copy of our “Do Not Call” policy, we will provide a copy via the United States Postal Service or by electronic mail. Any questions concerning the Bank’s “Do Not Call” list should be directed to:
Equal Housing
Lender