PFB Privacy Policy

Rev January 2018

FACTS

WHAT DOES PLANTERS FIRST BANK 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
  • Checking account information
  • Overdraft history
  • Account balances and payment history
  • Credit 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 the Planters First Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Planters First Bank 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 We Do Not Share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We Do Not Share
For our affiliates to market to you No We Do Not Share
For nonaffiliates to market to you No We Do Not Share

Questions

Call toll-free 1-800-684-8118 or go to www.bankPFB.com

What We Do

How does Planters First Bank 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 Planters First Bank collect my personal information? We collect your personal information, for example, when you
  • open an account
  • make deposits or withdrawals from your account
  • apply for a loan
  • pay your bills
  • use your credit or 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

Definitions

Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Planters First Bank has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Planters First Bank​ makes disclosures to other nonaffiliate companies as premitted by law.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Planters First Bank​ does not jointly market.

Privacy Statement

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

The bank 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.



Security Statement

This Online Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.


Secure Access and Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID, a password and Device recognition. Our system, the Online Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.


Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.


Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet banking transactions are secure.


USA Patriot Act

IMPORTANT INFORMATION

CUSTOMER IDENTIFICATION REQUIREMENTS

In accordance with Section 326 of the USA Patriot Act signed October 26, 2001, all financial institutions are required to obtain, record and verify information and documentation used to identify each person who opens an account including any signatory individuals added to an existing or new account. These requirements include the opening of business accounts.

What this means to You:

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. This information may also be requested for all signatories added to an existing or new account.

If you are opening an account on behalf of a business entity, documents relating to the business may also be requested.


Beneficial Ownership Notice

IMPORTANT INFORMATION

ABOUT OPENING A LEGAL ENTITY ACCOUNT

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

We proudly support all efforts to protect and maintain the security of our customers and our country.


ADA Accessibility

Financial Access for Everyone

ACCESSIBILITY EFFORTS AT PFB LOCATIONS

  • Accessible parking spaces
  • Curb cuts and ramps
  • Branch entrances, teller windows and lobby areas
  • Accessible safe-box rooms
  • Accessible restrooms

PFB embraces the guidelines of the Americans with Disabilities Act (ADA) and strives to ensure everyone has access to our branches. We're happy to accommodate requests to improve accessibility at branch locations. If your access to any information or service is blocked, please contact us and we’ll do our best to improve accessibility (advanced notification may be required).

For information and technical assistance about the Americans with Disabilities Act (ADA), contact the ADA information line: