Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, State, and Country
First State Bank of Graham uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
FACTS
What does First State Bank of Graham 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
Income
Account balances
Payment history
Credit history
Checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
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 First State Bank of Graham chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Do We Share?
Can you limit?
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
Yes
No
For joint marketing with other financial companies:
Yes
No
For our affiliates' everyday business purposes:
information about your transactions and experiences
No
No
For our affiliates' everyday business purposes:
information about your creditworthiness
How does First State Bank of Graham 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 First State Bank of Graham collect my personal information?
We collect your personal information, for example, when you:
Open an account
Deposit money
Provide your mortgage information
Apply for a loan
Apply for financing
We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.
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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non financial companies.
First State Bank has no affiliates.
Non Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
First State Bank does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between non affiliated financial companies that together market financial products or services to you.
First State Bank doesn't jointly market.
Other Important Information
First State Bank of Graham 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 State Bank of Graham should contact the Texas Department of Banking through one of the means indicated below. First State Bank of Graham also engages in the business of selling checks as an agent for American Express, which company is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking. Any Consumer wishing to file a complaint against First State Bank of Graham or American Express concerning the sale of check activities should contact the Texas Department of Banking by one of the following means:
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.
