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Privacy Notice - Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information here at http://fcbcarolinas.com/privacy.htm or we will mail you a free copy upon request if you call us at 910-610-4343.
FACTS

WHAT DOES FIRST CAPITAL 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
  • Account balances
  • Payment history
  • Transaction history
  • Credit history
  • 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 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 First Capital Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does First Capital Bank share?
Can you limit this sharing?
For our everyday business purposes -
Such as to process your transactions, maintain your accounts(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
No

We don't share

For joint marketing with other financial companies
No

We don't share

For our affiliates' everyday business purposes -
information about your transactions and experiences
No

We don't share

For our affiliates' everyday business purposes -
information about your creditworthiness
No

We don't share

For non-affiliates to market to you
No

We don't share


Questions? Call 910-610-4343 or email us: info@fcbcarolinas.com

What we do
How does First Capital 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 First Capital Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Give us your income information
  • Give us your contact information
  • Pay us by check
We also collect your personal information from others, such as credit bureaus, 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.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • First Capital Bank has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • First Capital Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • First Capital Bank doesn't jointly market.

Other Important Information
Identity Theft Assistance:
If you believe you are a victim of identity theft, contact First Capital Bank at 910-610-4343. Contact the Social Security Administration Fraud Hotline at 1-800-525-6285. Also contact a credit reporting agency such as Trans Union at 1-800-680-7289 or Experian at 1-888-397-3742.

Contact Information:
Please contact First Captial Bank to report a change in residence, job, phone number, or marital status
 
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