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Privacy Policy

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Rev. 06/2023

Privacy Policy Facts

FACTSWHAT DOES THE FIRST BANK OF ALABAMA 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
  • Transaction history
  • Credit history
  • Credit scores
  • Overdraft history

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 Bank of Alabama chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Reasons we can share your personal informationDoes The First Bank of Alabama share?Can you limit this sharing?

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

YesNo
For our marketing purposes -
to offer our products and services to you		YesNo
For joint marketing with other financial companies NoWe don't share
For our affiliates' everyday business purposes - information about your transactions and experiencesNoWe don’t share
For our affiliates' everyday business purposes - information about your creditworthinessNoWe don’t share
For nonaffiliates to market to you NoWe don’t share
 
Questions?Call 256-362-2334 or go to www.fbal.bank
 
What we do

How does The First Bank of Alabama 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.


We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does The First Bank of Alabama collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Use your credit or debit card
  • Give us your income information
  • Provide employment information
  • Give us your contact information
  • Show your government-issued ID

We also collect your personal information from others, such as credit 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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • First Bank of Alabama has no affiliates.
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • First Bank of Alabama does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • First Bank of Alabama doesn't jointly market.

 

Before proceeding please take a moment to read and understand what personal information your banking app might collect under certain circumstances and how this information is used. For more details please see the Privacy Policy.
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Why do we request access to personal information?

The application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device’s settings.
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Some possible examples of information your app may request access to are:

  • Location: Your location is used to prevent fraudulent activity and to display locations near you.
  • Contacts: Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose and that information will not be shared.
  • Camera: This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat.

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