Privacy Policy

REV 06/2013

Overview

Who is providing this notice?

Frederick County Bank

What does Frederick County Bank do with your personal information?

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 We Collect

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 and Payment history
  • Income and Transaction history
  • Account balances and Credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How We Collect

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 Frederick County Bank chooses to share; and whether you can limit this sharing. We collect your personal information, for example, when you:

  • Open an account or Apply for a loan
  • Deposit money or Pay your bills
  • Use your credit or debit card

We also collect information we receive from consumer reporting agencies.

How does Frederick County 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 physical, electronic and procedural safeguards to protect this information and we limit employee access to information.

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.

Reasons we can share your personal information 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
Does Frederick County Bank share? Yes
Can you limit this sharing? No
Reasons we can share your personal information For our marketing purposes - to offer our products and services to you
Does Frederick County Bank share? Yes
Can you limit this sharing? No
Reasons we can share your personal information For joint marketing with other financial companies
Does Frederick County Bank share? Yes
Can you limit this sharing? No
Reasons we can share your personal information For our affiliates' everyday business purposes - information about your transactions and experiences
Does Frederick County Bank share? No
Can you limit this sharing? We don't share
Reasons we can share your personal information For our affiliates' everyday business purposes - information about your creditworthiness
Does Frederick County Bank share? No
Can you limit this sharing? We don't share
Reasons we can share your personal information For nonaffiliates to market to you
Does Frederick County Bank share? No
Can you limit this sharing? We don't share
Reasons we can share your personal information Does Frederick County 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 Yes No
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 nonaffiliates to market to you No We don't share

Definitions

Affiliates:
Companies related by common ownership or control. They can be financial and non-financial companies.

  • Frederick County Bank has no affiliates.

Nonaffiliates:
Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Frederick County 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.

  • Our joint marketing partners include credit card companies and other companies that provide financial products and services.