Security and LocksPrivacy

Our Relationship with you is important to us...

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information here or we will mail you a free copy upon request if you call us at (843) 990-7770.

FACTS

WHAT DOES FIRST CAPITAL BANK DO WITH YOUR PERSONAL INFORMATION?

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
  • Transaction history
  • Credit history
  • Credit scores

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

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 Capital Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Capital Bank share?

Can you limit this sharing?

For our everyday business purposes -
Such as to process your transactions, maintain your accounts(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

No

We don't share

For joint marketing with other financial companies

No

We don't share

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 non-affiliates to market to you

No

We don't share

Questions?

Call (843) 990-7770 or email us: info@fcbcarolinas.com 

What We Do

How does First Capital 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 other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does First Capital Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Give us your income information
  • Give us your contact information
  • Pay us by check

We also collect your personal information from others, such as credit bureaus, 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.

  • First Capital Bank has no affiliates.

Non-affiliates

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

  • First Capital Bank does not share with non-affiliates so they can market to you

Joint Marketing

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

  • First Capital Bank doesn't jointly market.

Other Important Information  

Identity Theft Assistance:
If you believe you are a victim of identity theft, contact First Capital Bank at (910) 610-4343. Contact the Social Security Administration Fraud Hotline at 1-800-525-6285. Also contact a credit reporting agency such as Trans Union at 1-800-680-7289 or Experian at 1-888-397-3742.

Contact Information:
Please contact First Captial Bank to report a change in residence, job, phone number, or marital status

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