July 30, 2016 | 6:21 pm


Protecting your privacy is important to First Citizens Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible we use technology to manage and maintain customerís information. The following policy serves as a standard for all First Citizens Bank employees for collection, use, retention and security of nonpublic 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 services you have with us. This information can include:
  • Social security number
  • Account balances and payment history
  • Credit history and credit scores
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 customer's personal information; the reasons FIRST CITIZENS BANK chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does FIRST CITIZENS 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 and legal investigations, or report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you No We Don't Share
For joint marketing with other financial companies No We Don't Share
For our affiliate's everyday business purposes - information about your transactions and experiences No We Don't Share
For our affiliate's everyday business purposes - information about your creditworthiness No We Don't Share
For our affiliates to market to you No We Don't Share
For non affiliates to market to you No We Don't Share

What Information We Collect

We may collect "nonpublic personal information: about you from the following sources

  • Information we receive from you on applications or other loan and account forms;
  • information about your transactions with us or other; and
  • Information we receive from third parties such as credit bureaus.
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

What Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic person information about you to anyone, except as permitted by law.

If you decide to close your account (s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedure

We also take steps to safeguard customer information. We restrict access to your personal and account Information to those employees who need to know that Information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

If you ever have questions or concerns about the integrity of your account information, please contact us.