Privacy
CUSTOMER PRIVACY STATEMENT

YOUR PRIVACY IS IMPORTANT TO US

You provide important information about yourself to a variety of businesses and organizations.  The same is true when you do business with your financial institution.  You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us.  In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution.  These policies detail the strict standards we have in place.  For this reason we ask that you please read the following information carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First Texas Bank.

This is our privacy notice for our customers.  When we use the words "you" and "your" we mean the following types of customers:

  • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit Account
  • Loan Account
  • Safe Deposit Account
  • Self-directed Individual Retirement Account
  • All IRA accounts for which we act as custodian
  • Former customers

We will tell you the sources of the information we collect about you.  We will tell you what measures we take to secure that information.

We must first define some terms.

Nonpublic personal information means information about you we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.  Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.  This is also known as nonaffiliated third party, or simply, an "other party"

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

  • Information you give us on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with our affiliates
  • Information about your transactions with other parties
  • Information from a consumer reporting agency
  • Information we receive as a result of verifying customer information

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

Consumer Complaint Process

FIRST TEXAS BANK is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against FIRST TEXAS BANK should contact the Texas Department of Banking.

First Texas Bank also engages in the business of selling checks and money transmission as an agent for companies licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking.

If you have any complaints regarding the Company's Money Transmission activity, you should first contact:

Western Union Financial Services, Inc., P.O. Box 4430, Bridgeton, Missouri 63044, Tel 1-800-325-6000.

If you have any complaints regarding the Company's sale of Check Activities, you should first contact:

American Express Company, Travelers Cheque Worldwide Operating Center, 4315 South 2700 West, Salt Lake City, Utah 84184-042400, Tel 1-800-221-7282, Fax 1-801-945-2711

If you still have an unresolved complaint after contacting Western Union or American Express Company, then you should contact the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the department through one of the means below:

In Person or U.S. Mail:
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Telephone No.: 877-276-5554
Fax No.: 512-475-1313
E-mail: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us

 

 
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