Categories Of Information We Collect
We collect nonpublic personal information about you from the following sources:
Categories Of Information We Disclose
We reserve the right to disclose all of the nonpublic personal information that we collect about customers or former customers.
Categories Of Parties To Whom We May Disclose
We may also disclose all of the information we collect as described above to service providers and others and to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Information about you may be shared between FCNB Bank, FCNB Insurance Services, Inc. and FCNB Investment Services, Inc. We may also disclose all of the information we collect as described above to the affiliated group of FCNB companies for marketing solicitations. If you do not want this information to be shared between the FCNB affiliated companies for marketing purposes you have the right to opt out.
Confidentiality And Security
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
FCNB Bank, FCNB Insurance Services, Inc. and FCNB Investment Services, Inc. are providing this notice. You may limit our affiliates in the FCNB group of companies, from marketing their products or services to you based upon your personal information that they receive from the FCNB group of companies. This information includes your income, your account history and your credit score. For joint accounts, the opt-out will apply to everyone on the account. Your choice to limit marketing offers from the FCNB group of companies will apply until you tell us to change your choice. If you have already made a choice to limit marketing offers from our affiliates, you do not need to act again until you receive a renewal notice.
To limit marketing offers, contact us by:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions? Call 573-466-4180 or email email@example.com
Protecting Customer Information
When information is provided to us or our affiliates by our customers, we will protect and secure it. Whenever we work with customer information, whether we are using it to develop a new service or to determine which customers could benefit from a special offer, we follow a strict set of principles, which include:
Respecting Customer Privacy
Financial information is personal and we realize the importance of keeping it accurate and confidential. Employees access information only when needed to maintain accounts or otherwise meet customer needs. We use proven state-of-the art technology and established procedures for keeping this information secure.
Meeting Customer Needs
We collect and use various types of publicly available information, as well as information provided by our customers in order to better understand their financial service needs. This enables us to improve accounts and services and helps us identify other types of products and services that may be beneficial.
Keeping Information Accurate
We take appropriate steps to keep customer account information accurate and up to date. This is important so that no matter how customer information is accessed (on account statements, by phone or online), it will be correct. We will correct inaccurate information as quickly as possible.
Protecting Website Information
We safeguard customer information provided through our website. Below are ways in which we use and protect information received at www.fcnb.com.
Since we cannot control information on other Internet sites, we are not responsible for the content or sites linked from www.fcnb.com.
Please note: While we try to keep our website up-to-date and accurate at all times, there is the possibility that unforeseen circumstances could affect the site. As a result, we are not responsible for any loss or damage customers incur, resulting from information obtained through the website’s content, posting, or financial planning tools.
Purpose Of This Disclosure
The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary our policy is to make your funds available on the first Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy.
For purposes of this disclosure, the terms “you’/your” refer to the customer and the terms “our”/”we”/”us” refer to FCNB Bank. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.
Determining The Availability Of Your Deposit
The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday, and the term “Banking Day” means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.
If you make a deposit before 4:00 pm CST on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 pm CST or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.
Our policy is to make funds from your cash and check deposits available to you on the first Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use them to pay checks that you have written.
Holds On Other Funds For Check Cashing
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and we decided to delay availability on the deposit.
Holds On Other Funds In Another Account
If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited and we decided to delay availability on the deposit.
Longer Delays May Apply
In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $225.00 of your deposits, however, may be available on the first Business Day after the day of deposit. If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,525 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.
We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Special Rules For New Accounts
If you are a new customer, the following special rules may apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first Business Day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the Seventh Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the First $5,525 will not be available until the first Business Day after the day of deposit.
Funds from all other check deposits will be available on the Business Day after the day of your deposit.
Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Because of this we do not accept foreign checks
What Is a Substitute Check?
To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.
What Are My Rights Regarding Substitute Checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 Business Days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.
How Do I Make a Claim for a Refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please call us at: 1-573-466-4180 or write to us at:
402 West Main Street
P.O. Box 159
Steelville, MO 65565
You may also email us at: firstname.lastname@example.org
You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.
By accepting and utilizing FCNB Bank Online Services, I hereby agree to the FCNB Bank’s Digital Banking Rules set forth above.
THIS AGREEMENT AND DISCLOSURE STATEMENT (the “Agreement”) governs your use of the FCNB Bank (“FCNB”) Online Bill Pay Services (the “Service”). As used in this document, the words “you” and “your” refer to the undersigned’s use of the service; the words “we”, “us”, and “our” refer to FCNB.
*you have revoked such authorization, changed your password, and provided us with written notice of such revocation, and
** we have had a reasonable time to act upon such notice.
(i) if you believe your password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than fifty ($50.00) dollars if someone used your password without your permission.
(ii) if you do not tell us within two (2) business days after you learn of the loss or theft and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as five hundred ($500.00) dollars.
(iii) also, if your statement shows transfers that you did not make, you must tell us at once. If you do not notify us within sixty (60) days after the bank statement was sent to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.
(iv) if a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.
By accepting and utilizing FCNB Bank Online Bill Pay Service, you acknowledge that you have read, understand, accept, and agree to the terms of the Agreement and Disclosure Statement.
This Mobile Deposit User Agreement (“Agreement”) contains the terms and conditions for the use of FCNB Bank’s Mobile Deposit services that FCNB Bank (“bank”, “us”, “our”, or “we”) may provide to you (“you,” or “User”). Other agreements you have entered into with FCNB Bank, as applicable to your FCNB Bank account(s), are incorporated by reference and made a part of this Agreement, including the Online Banking Agreement.
You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:
Mobile Deposit FAQ
Items that can be deposited
Items that cannot be deposited
Note: Cutoff time for submitting deposits is 4:00 p.m. Central Time (M-F)
Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.
This website has been established by FCNB Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement and the use of this website are governed by the laws of the State of Missouri.