Friday, February 03, 2012
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Privacy Policy
FACTS WHAT DOES ALLIANCE NATIONAL 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
  • Transaction history and Credit history
  • Overdraft history and 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 Alliance National Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Alliance National 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		 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 our nonaffiliates to market to you No We Don't Share
  Questions?   Call 706-279-1600

 

Who we are
Who is providing this notice? Alliance National Bank
What we do
How does Alliance National 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 Alliance National Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or Deposit 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 affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Alliance National Bank has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Alliance National Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Alliance National Bank does not jointly market.
Alliance National Bank


Member FDIC

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “Non-Interest Bearing Transaction Account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  The temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.  The term “Non-Interest Bearing Transaction Account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (“IOLTA’s”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, Money Market Deposit Accounts.

FDIC INSURANCE STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT (SMDIA)

On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Consumers and bankers can find additional information regarding FDIC’s deposit insurance coverage through the use of the FDIC’s Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC’s website “Are My Deposits Insured?” In addition, you can call the FDIC at 1-877-ASK-FDIC (1-877-275-3342).

For more information about FDIC Insurance Coverage visit www.fdic.gov.

 
To report lost or stolen ATM or Visa Debit Cards call us immediately at:
706-279-1600 or 1-877-461-2265 (toll free)
After hours or weekends call 1-800-500-1044

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