Digital Banking Privacy Policy

Effective Date: 03/26/2024


FNBCC’s Statement of Internet Privacy Principles

FNBCC respects the privacy of our customers. Ensuring customer data security and protecting our customers’ privacy is the utmost importance to FNBCC. We know you are concerned about privacy and or the use of the information you give us. As a result, we are providing the following explanation of FNBCC’s privacy principles and FNBCC’s full Privacy Notice regarding your nonpublic personal identifying information.

Information collected on the Internet:

We do not collect personally identifiable information from visitors to our website unless visitors voluntarily and knowingly provide us that information. We may collect personal information when you enter data into an application for products or services while using our website or our online banking or mobile app, collectively referred to digital banking services. This information may consist of your name, mailing address, telephone number, e-mail address, social security number, date of birth, place of employment, account numbers, and security verification information.

As part of providing digital banking products or services, we may obtain information about our customers and website visitors from the following sources:

  • Information we receive from you on applications, emails, or other forms;
  • Information about your transactions with FNBCC;
  • Information we receive from a consumer-reporting agency; and Information that is generated electronically when you visit our website or use our digital banking services.

Service Providers hosting our website and digital banking services may collect general information and electronic data on our website visitors and digital banking service users for security and statistical purposes. This information may include:

  • The internet address (referral site) which brought you to our website;
  • The date and time you access our site;
  • The name and version of your web browser or device identifier;
  • Your geolocation;
  • Your Internet Protocol (IP) address which is a unique address devices use in order to identify and communicate with each other on a computer network;
  • The pages visited in our website and website interactions; and
  • The duration of your online session.
Our Service Providers may use Cookies to collect some of the above information. (A Cookie is a small file sent to and from your browser to identify your device. It is used to save browsing information, allowing websites to remember your device preferences and associated online activity.) In some cases, you must accept Cookies in order to view our website.

Our Service Providers may also use Cookies within our digital banking services. You may be required to accept these Cookies in order to utilize these services. These cookies do not store any personally identifiable information; they simply provide another level of security.

When you click on advertisements in our website or advertisements on linked 3rd party websites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.
Use of Information Collected:

We may disclose the information that we collect, as described above, with Service Providers acting on our behalf to provide digital banking services. Our contracts require all such Service Providers to protect the confidentiality of your customer information to the same extent that we must do.

We may also disclose customer information when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.

We do not disclose any customer information about our customers, former customers, website visitors to anyone, except as permitted or required by law.

We do not sell any of your personal information.

Account Aggregation:

Account aggregation sites allow you to consolidate account information from several sources into one online location. In order to provide this service, an aggregation provider may request your passcode and login information. You should ensure that the aggregation provider has appropriate policies to protect the privacy and security of any information that you provide.

If you provide information about your FNBCC account to an aggregation provider, we will consider all transactions initiated by an aggregator using the access or login credentials that you provide, to be authorized whether or not you were aware of a specific transaction.

If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you also change your online passcode with FNBCC. This will help ensure that the aggregation company cannot continue to access your account(s) with us.

Information Security:

We have many security features in place to protect your information on the internet. No one can access your account information online without the access codes you are provided. These access codes consist of multi-factor authentication. Multi-factor authentication can help prevent access by someone who may have stolen your login credentials. You can protect your account information by signing off your device when you have completed your transaction, changing your password frequently, and by not sharing these codes with anyone. If you forget to sign off, our digital banking system will sign off for you after there has been no activity for a certain period of time.

Secure browsers, such as Microsoft Edge, Chrome, Safari, or Firefox are required to access your information as additional protection of your account information. We utilize Secure Socket Layer (SSL) and 256-bit encryption technology to protect your confidential information. Encryption "scrambles" your private, financial information as it moves between your device and our systems. Computer malware protection detects and prevents malware from entering our website, email, and computer systems. Firewalls and intrusion prevention systems are also used to prevent unauthorized access to our systems.

Please be aware that if you provide your User ID and Password to anyone, you are authorizing them to access your account. Any transactions that may take place in your account as a result are considered to be authorized by you. If you wish to cancel this type of account, you will need to notify us so that we may issue new access codes for your internet account.

Third Party Links:

Our website may include links to other 3rd party websites as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site.

FNBCC makes no representation concerning and is not responsible for the quality, content nature, or reliability of any third party linked site. The inclusion of any third party links does not imply any endorsement, investigation, verification or monitoring by FNBCC on any third party linked site. In no event shall FNBCC be responsible for your use of a third party site. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.

Employee Access to Information:

Only those employees with a legitimate need to know have access to our customers’ information. Employees are provided with a Code of Ethics when they are hired. We have established training programs to educate our employees about the importance of customer privacy and to help ensure compliance with that Code. Any violation of that Code, including unauthorized access of customer information or sharing customer information, will subject the employee to disciplinary action, including immediate termination.

Account Deletions:

We are unable to delete accounts and the data associated with them as there are federal and state regulations that require banks to retain certain data, including, but not limited to, personally identifying information, account information, and transaction history.

Children’s Privacy:

We do not use the Website or our digital banking services to knowingly solicit personal information from, or market to, children under the age of thirteen (13) without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website.

Privacy Updates:

This policy may be updated from time to time as new products and features may require changes to our Digital Bank Privacy Policy. The effective date of the policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.


Please contact FNBCC at 800-741-1104 with any questions about the information included in this Digital Banking Privacy Policy or questions about our digital banking services.

You may access our full Privacy Notice at: FNBCC Privacy Notice.

Mobile Banking Privacy Policy:


FNBCC’s digital banking application requests access to information on your device such as location, camera, contacts, or other features you are enrolled in to enhance and simplify your own digital banking experience and improve our services, as well as providing additional security to protect your account.

It is important for you to understand that:

  • Before allowing access to this information, you will be prompted to give the application that permission.
  • If you do not wish to allow access to this information, you may decline.
  • If you change your mind later, access to those features can be updated in your device’s settings.

Some examples of information your app will request access to are:


  • Your location is used to prevent fraudulent activity and to display FNBCC locations near you.
Contacts/Contact Lists:
  • By opting to allow access to the contact list stored on your device you may add contacts for use with features that allow you to send money via your digital banking app.
  • We will only add the contacts you select and that information will not be shared outside of FNBCC.
  • The digital banking app uses your camera to capture check images, take a picture of receipts, scan ID, and scan authorized QR codes.
  • Images you selected from your device’s photo library can be uploaded to provide documentation of check images, receipts, and/or other image artifacts required as detailed in your account’s terms and conditions.

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.

The digital banking application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific time frames for your personal stored information and if that information may be deleted.


Please contact FNBCC at 800-741-1104 with any questions about the information included in this Mobile Banking Privacy Policy or questions about this app.

You may access our full Privacy Notice at: FNBCC Privacy Notice.