Privacy Policy

What Does First State Bank Do With Your Personal Information?

Rev. Date 7/17

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
  • Account transaction history
  • Overdraft history
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 State Bank of the Southeast chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does First State Bank of the Southeast 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 Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes –
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you
 No We do not share
To Limit Our Sharing

Please note: 

If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice 

However, you can contact us at any time via email to privacy@ourfsb.bank to limit our sharing. 
Questions? Call toll-free (800)248-5950 or go to www.ourfsb.bank 
Who We Are 
Who is providing this notice? First State Bank of the Southeast, INC.
What We Do
How does First State Bank of the Southeast protect my 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. 
How does First State Bank of the Southeast collect my information?

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Apply for a loan or give us you income information
  • Make a wire transfer

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 non-affiliates 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. 

Our affiliates include companies with a Asset Protection Management Inc., and FSB Insurance Agency Inc., and First State Bancshares Inc. name.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. First State Bank of the Southeast does not share with non-affiliates.
Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partner(s) include securities brokers-dealers and secondary market mortgage lenders. 
Other Important Information
In accordance with California law, First State Bank of the Southeast will not share information we collect about California residents with companies outside of First State Bank of the Southeast, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law.