To Our Customers,
At First Community Bank we value our relationships with our customers. We realize that the foundation of that relationship is the trust that you place in us to assist you with your financial needs while at the same time protecting the privacy of your personal information.
This is First Community Bank's privacy notice. It discusses how we maintain and protect the privacy of your information. Our commitment to you is that we will continue to safeguard the confidentiality of the information you provide to us.
Thank you for choosing First Community Bank to assist you with your financial needs. If you have any questions about this privacy notice, please contact your local banking office.
Categories of Information That We May Collect
First Community Bank collects the following categories of nonpublic personal information about our customers.
Information received from you on applications and other forms (for example: name, address, social security number, assets, income)
Information about transactions with us, such as information about a deposit or loan account (for example: account balance, payment history)
Information we receive from consumer reporting agencies and other third parties (for example: credit history, credit worthiness)
Disclosures to Affiliates or Nonaffiliated Third Parties
First Community Bank does not disclose nonpublic personal information about our customers or former customers to anyone except as permitted or required by law, or if one of the following conditions exists:
You request disclosure of the information.
The information is necessary to complete a transaction or perform a service at your request.
The information is provided to a reputable credit bureau or similar information reporting agency.
The disclosure is otherwise lawfully permitted or required.
The bank may disclose information (for example: name, address or account type) to service providers and companies that perform marketing services on our behalf (for example: check printing companies).
Confidentiality and Security of Nonpublic Personal Information
First Community Bank maintains policies and practices designed to protect the confidentiality and security of consumers' nonpublic personal information.
The bank limits employee access to confidential customer financial information to those employees with a business reason to know such information. The bank's employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. Breaches of customer privacy are considered serious employee misconduct and may result in disciplinary action.
At our web site, www.firstcommunitysc.com, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. The pass codes and other safety features that we have installed also help ensure that the information you provide remains safe and secure.
The bank endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address in this brochure and appropriate corrections will be made as soon as possible.
If you feel we have not met our obligations in the protection or use of your personal information please contact us immediately.
Tips for Guarding Your Personal Information
First Community Bank recommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:
Do not preprint your driver’s license or Social Security number on checks.
Review your monthly account statements thoroughly to assure your account activity is correct. Report any suspicious activity to us.
Report lost or stolen checks, credit or debit cards immediately.
Do not provide personal information over the phone unless you have initiated the call and know with whom you are speaking.
Safeguard ATM, credit and debit cards. Refrain from writing Personal Identification Numbers (PINs), Social Security numbers or credit card numbers where they could be found.
Safeguard your account numbers, Personal Identification Numbers (PINS) and passwords.
Change your passwords often, using a combination of letters and numbers.
Use secure sites on the Internet. Your browser should display a key or padlock to indicate a secure site.
Store cancelled checks, new checks and account statements in a safe place.
Tear up or shred receipts, statements and unused credit offers before discarding them.
Review your credit report at least once every year. Make sure all information is up to date and accurate.
If you think you have been a victim of identity theft or fraud, contact one of the three major credit bureaus to place a fraud alert on your account.
If you believe you are a victim of identity theft:
Contact any bank or other creditor where you have an account that you think may be the subject of identity theft. Advise them of the identity theft. Request that they restrict access to your account, change your account password, or close your account, if there is evidence that your account has been the target of criminal activity. If your bank closes your account, ask them to issue you a new credit card, ATM card, debit card, or checks, as appropriate.
File a report with your local police department.
Contact the fraud department of each of the three major credit bureaus to report the identity theft and request that the credit bureaus place a fraud alert and a victim’s statement in your file. The fraud alert puts creditors on notice that you have been the victim of fraud, and the victim’s statement asks them not to open additional accounts without first contacting you. The following are the telephone numbers for the fraud departments of the three national credit bureaus:
Trans Union: 1-800-680-7289
Equifax: 1-800-525-6285
Experian: 1-888-397-3742
You may request a free copy of your credit report. Credit bureaus must provide a free copy of your report if you have reason to believe the report is inaccurate because of fraud and you submit a request in writing.
Review your report to make sure no additional fraudulent accounts have been opened in your name, or unauthorized changes made to your existing accounts. Also, check the section of your report that lists “inquiries” and request that any inquiries from companies that opened the fraudulent accounts be removed.
Contact the FTC’s Identity Theft Hotline toll-free at 1-877-ID-THEFT (438-4338).
The FTC puts the information into a secure consumer fraud database and shares it with local, state, and federal law enforcement agencies.
Changes to this Notice
We may amend this policy at any time, and we will inform you of changes as required by law.