Privacy Policy

Information Collected

The First National Bank of Brewster collects the following categories of nonpublic personal information about our consumer customers: Information received from you on applications and other forms such as your name, address, social security number, assets and income. Information about transactions with us such as:  information about a deposit or loan account, payment history, parties to transactions and credit/debit card usage. Information we receive from consumer reporting agencies such as your credit worthiness and credit history. Information we receive as a result of verifying customer information.

Confidentiality and Security of Nonpublic Personal Information

Ensuring your financial privacy is of vital importance to us.  The First National Bank of Brewster maintains the following policies and practices designed to protect the confidentiality and security of consumers’ nonpublic personal information:

• We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information.
• Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.
• We endeavor to maintain the most accurate and up-to-date customer records possible.  If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on your account statement and  appropriate corrections will be made as soon as possible.
• If you feel we have not met our obligations in the protection or use of your personal information, you may submit a written complaint to us.
• We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Information We Share with Others

Affiliates – An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.  We may disclose information about you to our affiliates.  This may include information about your transactions and experience with us such as:  Name, Address, Account Balances, Account activity, Types of accounts, Credit Card usage, Payment history, Deposit history.

Others- We report account information such as credit limit, balances and payment information to credit bureaus.

Disclosures to Nonaffiliated Third Parties

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

We do not disclose information about former customers, except as permitted by law.