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First National Bank of Davis Online Banking
First National Bank of Davis is committed to protecting your privacy and security. We will never initiate a request for sensitive information, such as a Social Security number, account number or PIN, from you via email. We strongly suggest that you do not share you personal ID, password, PIN or account number with anyone, ever.

Financial Privacy Policy
The Board of Directors of First National Bank, Davis, Oklahoma acknowledges its customers' expectation that their financial and personal information is private.  It is the bank's practice not to disclose customer information unless such disclosure is: 1) required by law, 2) specifically allowed by law, or 3) requested by the customer, directly or indirectly.  Further, the Board recognizes the risks involved in failing to keep such information in the strictest confidence.  For these reasons, the directors and employees of First National Bank are expected to make every effort to fulfill the bank's duties in this area.

Sound banking practices and federal laws require us to gather certain nonpublic personal information about you as a condition of establishing and maintaining a customer relationship.  For example, we gather information by requiring applications for loan and deposit accounts; reviewing transaction activity; obtaining reports from service and credit bureaus; and various activities aimed at verifying the information we receive.

In order to protect the customer's privacy and to reduce the possibility of litigation, the bank's general policy, except in situations where disclosure is required or specifically allowed by law, is to require a written, signed (or otherwise authenticated) authorization from the customer regarding any request for information that is made, regardless of the source of that request (including e-mail requests).  This record shall be placed in the appropriate file (loan, deposit account, etc.) as evidence of the proper release of the information.  Exceptions may be made only if the officer or employee has received information that reasonably  identifies the requester as the customer or as an authorized representative of the customer.  Bank procedures will include an acceptable method of identifying the customer with reasonable certainty (drivers license #, account #, amount of last deposit, etc.) If the requester cannot meet the reasonable criteria selected by the bank, the information shall not be provided.

The Federal Right to Financial Privacy Act governs the release of information to the Federal Government, including Federal agencies and Federal courts.  The Oklahoma Financial Privacy Act governs release of information to state agencies, including information sought in connection with proceedings in state court.  The requirements of these statutes shall be followed.

We do make disclosures to third parties that are specifically allowed by law.  For example, that necessary to effect a transaction you requested or authorized.  For example: we may give your name, address and account number to the vendor who prints your personal checks, we may give your loan information to a vendor who prints a payment book and we way give information on fiduciary accounts in which you have an interest to outside prepares to enable them to compile necessary government filings.

All information related to requests for customer information shall be retained for 5 years

The Financial Privacy Officer is responsible for coordinating all requests for financial information from state and federal government agencies and in connection with court proceedings.  This officer will also coordinate with the compliance officer in order to maintain and update this policy, and to provide the training needed for all bank personnel.
 
Privacy Disclosure for Our Internet Site
 
If you visit this site this is how we will handle the information we receive from your inquiry.  The information we receive depends upon what you do when you visit our site.

If you visit our site to read or download information, such as consumer brochures sample disclosures or press releases:
  1. We will collect and store only the following information about you: the name of the domain from which you access the internet (for example, aol.com, if you are connection from an American Online account); the date and time you access our site; and the Internet address of the web site from which you linked directly to our site.
  2. We use the information we collect to measure the number of visitors to the different sections of our site and to help us make our site more useful to visitors.
 If you identify yourself by sending an E-mail:
  1. You also may decide to send us personally identifying information, for example, in an electronic mail message containing a special request.  We use personally identifying information from consumers in various ways to further our consumer protection and competition activities.  See our Privacy Policy for additional information about how your customer information is handled by our bank.
  2. We want to be very clear: We will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information to us.
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