Privacy Statement

Information is an important part of the First National Bank of Marysville’s business.  We understand the importance of the personal information you entrust to us.  The following is the privacy statement for the First National Bank of Marysville.

Customer Privacy

At the First National Bank of Marysville we are committed to providing you, our customer, with the finest products backed by consistent top quality service.  While information is fundamental to our ability to do this, we fully recognize the importance of keeping your personal and account information secure.
 
The Information We Collect

The First National Bank of Marysville collects and uses information obtained from applications and account usage, as well as information derived from other sources.  This information is used only to the extent needed to conduct our business and to meet our high quality service standards.  We only obtain information in accordance with applicable laws and in response to your request for any legitimate business purpose(s).
 
Our Commitment to Security

The First National Bank of Marysville recognizes how important it is that sensitive information about you, our customer, remains confidential.  We go to great lengths to safeguard the personal financial information you entrust to us.  We protect your information from unauthorized access, using established and thorough security standards, to ensure that the account information remains secure.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

The First National Bank of Marysville restricts access to your personal and account information to those employees who need to know that information to provide products or services to you.

The Information We Share

We do not disclose any nonpublic personal information about you, our customer, or former customers to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
If you have any questions about the use or sharing of consumer financial information or if you wish more information please contact us at P O Box B, Marysville, Pa 17053 or call 717-957-2196 and we will be happy to answer them.  We want to safeguard your trust in us as well as your personal and financial information.

Your Security and Protection When Online

It is of utmost importance for us to protect your personal information when you are on our web site.  We go to great lengths to make sure that your transactions are confidential and secure.

Your User ID and Password

The most important way of protecting you Internet Banking transaction is by your self-selected User ID and Password.  Be sure to keep them a secret.  Memorize them and, if you need to maintain a written record of the codes, it is recommended that you store them away from your computer in a secure place and not in your wallet or purse.  Always make sure that no one is watching you enter the information and always log off the First National Bank of Marysville’s Internet Banking web site whenever you are away from your computer (click the log off button).  If your computer is left unattended and the browser is running with your User ID and Password entered, anyone can gain access to your accounts.  It is recommended that you use upper and lower case letters along with numbers and symbols that are unique to you.  Stay away from obvious words and numbers, like a family member's birthday or name.

Browser Protocol

There are currently two types of secure browsers that are available to consumers.  One is a 40-bit encryption and a 128-bit encryption browser.  The 128-bit encryption browser has a higher level of security.  You can test your browser to determine what level you have.  While our Web site supports both types of data encryption, we recommend that you use an internet browser that supports 128-bit encryption.

Encryption, Firewalls, and Other Protection

All personal and account information that passes between your computer and First National Bank of Marysville Internet Banking is encrypted.  This means that while your information is in transit it is scrambled so that only First National Bank of Marysville’s computer equipment can reassemble it to its original text format.  When First National Bank of Marysville sends personal account information to you, it is also encrypted so that only your computer can decipher it and reconstruct the data transmitted.
There are also internal procedures in place within the First National Bank of Marysville’s Online Banking system that include a system of filtering routers and firewalls.  Filtering routers verify the source and destination of each transaction while firewalls shield the bank's customer service network from outside sources.  These two systems then protect the bank's internal accounts from illegal outside access while keeping the structure of the bank's internal networks invisible to outside observers.
The First National Bank of Marysville is continuously evaluating its security systems to insure that the bank provides the latest and most secure levels of privacy and security that are appropriate for our bank customers.
To simplify your online experience with us, we may place a cookie on your personal computer while you are visiting your web site.  You have our assurance that we do not use cookies to record information that will enable anyone to contact you via telephone, email, or regular mail.

Cookies

We use cookies to provide you with better service and experience while you are online with us.  A cookie is a small text file that can be placed on your system to allow us to facilitate image changes, collect anonymous aggregate site traffic and allow you to personalize our services to your needs.  Our Web site does not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it.  If you choose not to accept cookies, you may experience some reduction in graphics and other personalized services.  For customers that use the Netscape browser, The First National Bank of Marysville’s Online Banking service requires the use of cookies in order to maintain adequate security.

E-mail

Regular non-encrypted email over the internet is not a secure means of communication.  In instances where we provide internet email addresses, they are for inquiries of a non-sensitive and non-confidential nature.  We recommend that you do not send confidential information by email unless it is secured.

Additional Information

While our Web site uses advanced data encryption protocols, the links to other web sites available through our Web site may not support such a high level of data security.  We strongly suggest that you not divulge any personal information via email or while online with such web sites.

Types of Online Fraud

Phishing and E-mail Fraud - Phony e-mail that appears to be from a trusted financial institution is used to "hook" you into sharing sensitive financial and personal information. The First National Bank of Marysville will NEVER send an unsolicited e-mail requesting verification of personal or account information.

Spyware/Malware - Snoopware can be remotely installed on your PC without your knowledge. This software allows cyber-thieves to access everything that you do online. Be wary of e-mail attachments from strangers and unfamiliar websites.

Website Spoofing - is the act of reproducing legitimate web pages, which are actually fraudulent, in order to trick customers into submitting personal information that can be collected by criminals. To make the spoofed sites seem legitimate, criminals may use legitimate looking logos, graphics and names of a well known company's site. Cyber thieves may also attempt to fake the URL that appears in the address field at the top of your browser window and the padlock that appears in the lower right corner.

How to Protect Yourself Online
Do not reply to an e-mail or pop-up message asking for personal or financial information. Legitimate companies like First National Bank of Marysville will never ask for personal or financial information via an e-mail or pop-up message. Don't e-mail personal or financial information. If you initiate a transaction, look for indicators that the message is secured, which can be validated by a lock icon. Most e-mail programs do not provide confidentiality via encryption.
Use bookmarks (your Favorites list) to access known sites to avoid being lured to imposter sites.
Use updated anti-virus software. Some phishing emails contain viruses and software that can harm your computer.

Other Ways To Protect Yourself
Shred unwanted documents that contain personal information such as pre-approved credit card offers and bank statements.
Review credit card and bank statements immediately for unauthorized charges or transactions.
Contact your bank or Credit Card Company if statements are more than a few days late.
Don't leave mail in your mailbox.
Memorize your Social Security number instead of carrying it with you.
Never write down your passwords.
Don't use birth dates or names of family members as passwords.
When you use your Visa/Debit card, take your receipts from ATMs, gas pumps, etc.
Report lost or stolen credit and debit cards immediately! If your First National Bank of Marysville card is missing call 717-957-4888.

Get More Information
For additional information on phishing and identity theft, go to the Federal Trade Commission's Website at www.ftc.gov and look for the following brochures:
"How Not to Get Hooked by 'Phishing' Scam"
"ID Theft: When Bad Things Happen to Your Good Name"

Important Contact Information if You've Been a Victim of Identity Theft
U.S. Government Agencies
Federal Trade Commission
Identity Theft Clearing House
Hotline: 877-438-4338
IDD: 202-326-2502
Website:  www.consumer.gov/idtheft/

Social Security Administration
Fraud Hotline: 800-269-0271

Credit Reporting Agencies
Experian
To request a credit report and/or to report fraud: 888-397-3742
Website:  www.experian.com
Equifax
To request a credit report: 800-685-1111 Option 4
To report fraud: 800-525-6285
Website: www.equifax.com
TransUnion Corporation
To request a credit report: 800-916-8800
To report fraud: 800-680-7289
Website: www.transunion.com

Fair and Accurate Reporting Act (FCRA) - Furnishing Negative Information
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Under the FCRA, you are entitled to one free copy of your credit report annually.  You may sign up for this service at by calling 1-877-322-8228 or by going to the web site www.free-annualcreditreport.org .