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November 01, 2014  

Privacy Policy
FACTS WHAT DOES FREDERICK COUNTY 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 and Payment history
  • Income and Transaction History
  • Account Balances and 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 Frederick County Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Frederick County Bank Share? Can you limit this sharing?
For our everyday business purposes–
such as to process your transactions, maintain your account(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
YES NO
For joint marketing with other financial companies YES NO
For our affiliates’ everyday business purposes–
information about your transactions and experiences
NO WE DO NOT SHARE
For our affiliates’ everyday business purposes–
information about your creditworthiness
NO WE DO NOT SHARE
For nonaffiliates to market to you NO WE DO NOT SHARE
  Questions?      Call (301) 620-1400 or go to www.fcbmd.com

 

Who we are
Who is providing this notice? Frederick County Bank
What we do
How does Frederick County 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 physical, electronic, and procedural safeguards to protect this information and we limit employee access to information.
How does Frederick County Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or Apply for a loan
  • Deposit money or Pay your bills
  • Use your credit or debit card

We also collect information we receive from consumer reporting agencies.

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 nonaffiliates to market 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 nonfinancial companies.
  • Frederick County Bank has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Frederick County Bank does not share with nonaffiliates so they can market their services to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include credit card companies and other companies that provide financial products and services. 

Revised 06/2013

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