Privacy Policy

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FACTS WHAT DOES FIRST NATIONAL BANK NORTH 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
  • Credit history
  • Mortgage rates and payments
  • Checking account information

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 National Bank North chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information Does First National Bank North 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		 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 218-547-1160
 
Who we are
Who is providing this notice? First National Bank North
 
What we do
How does First National Bank North 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 National Bank North collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Provide employment information
  • Provide your mortgage information
  • Show your driver's license
We also collect your personal information from others, such as credit bureaus, affiliates, 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 National Bank North does not share with our affiliates

 
Non affiliates

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

  • First National Bank North does not share with non affiliates so they can market to you.

 
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • First National Bank North doesn't jointly market.