Privacy Policy

Home Privacy Policy

Rev. 12/2020

FACTS	WHAT DOES FIRST STATE BANK NEBRASKA 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 and Transaction History Credit History and Account Balances Overdraft History and Payment 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 customer's 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 Nebraska chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does First State Bank Nebraska 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	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	No
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit our sharing	Call 877-303-9737 or visit a branch. Please note: If you are a new customer, we begin sharing your information 30 days from the date we sent you a copy of this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 877-303-9737or go to www.1fsb.bank

To limit our sharing

Call 877-303-9737 or visit a branch.

Please note:

If you are a new customer, we begin sharing your information 30 days from the date we sent you a copy of this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 877-303-9737or go to www.1fsb.bank

Who We Are
Who is providing this notice?	First State Bank Nebraska

What We Do
How does First State Bank Nebraska 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 Nebraska collect my personal information?	We collect your personal information, for example, when you open an account or make a wire transfer deposit money or apply for a loan use your debit card 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with FSI and First State Nebraska names, such as FSI Agency, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors and advertisers.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include companies such as other banks and insurance companies.

Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers	We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers	We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers	We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers	We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.1fsb.bank or call 877-303-9737.

Web Site Privacy Statement:
For each visitor to our Web page, our Web server recognizes certain information about you. We also aggregate information on what pages you may visit within our site as well as any information you may volunteer such as survey information. Any information we collect is used to improve the content of our web site to better serve our customers.

Our Collection, Retention, and Use of Information about You:
We collect, retain, and use information about you to protect access to your personal accounts and to assist the bank in providing you with the products and services you need and want. We collect and retain information about you only for specific business purposes – and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs and provide you with quality products and superior service.

Our Maintenance of Accurate Information:
It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. For this reason, we have procedures to help assure that your financial information is accurate, current and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. While some of these procedures are required by federal or state law, First State Bank Nebraska has implemented additional procedures to maintain accurate, current and complete financial information, including processes to update information and remove old information.

Security Procedures to Protect Information:
We maintain security standards and procedures to help prevent unauthorized access to confidential information about you. In addition, First State Bank Nebraska educates all employees about the importance of confidentiality and customer privacy.