Privacy Policy

At First State Bank we recognize the importance placed on privacy and confidentiality of all financial information.  Our Customer Information Privacy Policy serves as a standard for all First State Bank employees for collection, use, retention, and security of individual customer information.

Collection, Use and Retention of Customer Information

We collect nonpublic personal information on our customers from the following sources;

• Information we receive from customers on applications or other forms:

• Information about customer transactions with us, our affiliates, or others, and

• Information we receive from a consumer-reporting agency. 

Disclosure of Customer Information

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or when legally permitted to serve the customer’s interests.  Information regarding our customers will only be disclosed to third parties under the following conditions:

• If we have the written permission of the customer,

•  In order to comply with government or court orders, or

• In order to report the existence and condition of an account to companies such as reputable credit bureaus or merchants.

Limiting Employee Access to Customer Information

At First State Bank, employee access to nonpublic personal information about customers is limited to those with a business reason to know such information.  Employees are educated on the importance of maintaining the confidentiality of customer information and on these privacy principles.  We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard our customer nonpublic personal information. 

Internet Privacy

When the customer visits our website to view any pages, read product information, or use our online calculators and tools; the customer does so without telling us who they are and without revealing any personal information.  While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site.  This allows us to better understand how many people use our site and which pages and features are most popular.  The only information we normally collect and store is:

• The name of the customer’s Internet Service Provider,

• The customer’s Internet address,

• The date and time the pages were accessed, and

• The page or pages the customer requested.

There are instances where the customer may elect to provide us with personal information.  If the customer fills out one of our feedback or request forms or sends us e-mail, the customer is transmitting the information that appears to the customer in the form or the message.  This will typically include information like the customer’s name, mailing address, e-mail address, the kind of request the customer is making, and any other information necessary to fulfill the customer request.  The customer never transfers personal identifying information that they do not enter themselves.  This information is used internally only for the purpose of fulfilling the request or for contacting the customer directly and is not given or sold to any other organization.

Our website is not targeted or marketed to children.

Other Customer Information

We believe that keeping your trust is very important, so if you should have an inactive or closed account(s) with us, we will continue to adhere to the policies and practices described in this notice. 

First State Bank is chartered 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 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 indicated below:

In Person or U.S. Mail to:   Texas Department of Banking

                                          2601 North Lamar Boulevard

                                          Suite 300

                                          Austin, TX 78705-4294

 

Telephone Number: 1-877-276-5554 (toll free)

Fax Number: 1-512-475-1313

Email: consumer.complaints@banking.state.tx.us

Website: www.banking.state.tx.us