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Privacy Statement

Your privacy concerns are important to us and protecting your personal information is our first priority.

Facts:  What does First State 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 account balances
  • account transactions and transaction history
  • credit history 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 First State Bank chooses to share; and whether you can limit this sharing.

Who we are

Who is providing this notice?

First State Bank, a Michigan banking corporation, and its affiliate, First State Bank Mortgage Company, a Michigan limited liability company.

Reasons we can share your personal information
Does First State 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 affiliate's everyday business purposes - information about your transactions and experiences
Yes No
For our affiliate's everyday business purposes - information about your creditworthiness
No We don't share
For our affiliate to market to you
No
We don't share
For non-affiliates to market to you
No
We don't share

What we do

How does First State 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.

How does First State Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit or withdrawal money
  • pay your bills or apply for a loan
  • use your credit or debit card

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 affiliate's 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 law 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 State Bank Mortgage Company, LLC

Non affiliates

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

  • First State 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.

  • Credit card and investment companies