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Privacy & Security

Our Mission - A Traditional Bank meeting the needs of our Customers and Communities with Innovative Products Delivered with Exceptional Service.

At First Chatham Bank we realize that protecting your personal and business financial information on the internet is very important.  We are now enhancing our controls to improve the authentication methods used for our internet banking products.  We have partnered with our core processor Fiserv to provide separate authentication solutions for eCorp (business internet banking product) and Online Banking (consumer internet banking product).  

What does this mean to you?
If you are an Online Banking user:
The PassMark Security Solution is a quick and easy security measure that will protect your account information and help prevent identity theft whenever you sign on to our website.  This solution still requires you to provide an Access ID and password but also identifies you based on the specific computer used.  When signing onto Online Banking, you will be prompted to enroll in PassMark by entering a pass phrase (known as your “image title”) for a randomly selected authentication image.

Each time you sign onto Online Banking after enrolling, the authentication image and your unique pass phrase will be displayed before you are asked to enter your password.   By verifying your authentication image and pass phrase are correct, you have assurance that you are actually viewing First Chatham Bank’s website and not a “spoof” site.  Concurrently, PassMark allows the bank to evaluate your computer to ensure that the access is not a fraudulent attempt to access your account information.   

During the on-line PassMark enrollment process you will also be asked to provide answers to three challenge questions.  In the event you sign-on from a computer that is not registered with PassMark, some or all of the challenge questions will be asked to further identify you as the authorized accountholder.  

Not only must the individual accessing your internet banking account prove his or her identity to First Chatham Bank’s website, but the website must also prove its identity to the individual.  The result is end-to-end protection against phishing, spoofing, keyboard logging and other fraudulent attacks - all without the need to install any software.

If you are an eCorp user (business internet banking):
First Chatham Bank provides each user a VASCO one-time password (OTP) token. These tokens will be delivered to you with instructions and additional information. The OTP generates random numbers at login, which you will use in conjunction with your personal identification number (PIN).  For each login attempt, the one-time password will change.  

In addition, for those clients using the wire or external transfer feature of eCorp, a second OTP will be required as further security.

Privacy Policy
FCB Financial Corp and its subsidiary bank, First Chatham Bank are committed to serving the financial needs of its customers.  As such, we are entrusted with sensitive confidential information so that we can provide the highest quality service and products to our customers.  We are committed to protecting the privacy of our customers’ information.  As a part of that commitment, we have adopted the following privacy principles and have implemented them at all levels of the organization.

1. Customers Expect Privacy.
We believe the protection and confidentiality of our customers’ information is one of our most important responsibilities.  We take this responsibility seriously and have designed policies and procedures to prevent misuse of this information.

 2. Customer Benefits of Information Management Practices
We collect, retain, and use information about our customers to help administer our business or provide products, services, or other opportunities to them.  We collect and retain information for specific business purposes, and we will tell our customers why we are collecting and retaining the information upon request.  We use the information to protect and administer our customers’ records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand our customers’ financial needs so that we can provide our customers with quality products and services.

3. Maintenance of Accurate Information.
We have established procedures to ensure that our customers’ financial information is accurate, current, and complete.  We also pledge to correct inaccurate or incomplete information in a timely manner.

4. Limitations on Employee Access to Information.
Each of our employees is required to follow our organization’s “Rules of Conduct”, which states that all customer information is confidential and privileged.  The appropriate disciplinary action is taken if this policy or procedures relating to this policy are not followed.

5. Maintenance of Security Standards to Protect Customer Information.
We are committed to the security of our customers’ financial and personal information.  We maintain security procedures designed to help prevent unauthorized access to their confidential information.  We maintain and grant access to their information only in accordance with our internal security standards.

6. Restrictions on the Disclosure of Account Information.
We do not reveal specific information about customers’ accounts or other personally identifiable data to parties outside our affiliate bank for their independent use unless: 

a) The customer requests or authorizes it; 
b) The information is provided to help complete a transaction initiated by the  customer; 
c) The information is provided to a reputable credit bureau or similar informational reporting agency; or
d) The disclosure otherwise is lawfully permitted or required.

We do not provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

7. Maintaining Customer Privacy in Business Relationships with Third Parties.
When we conduct business with third parties, we require our vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.  

8. Providing Privacy Information to Customers and Responding to Inquiries.
We, at First Chatham Bank, value our customers’ relationship.  We want our customers to understand our commitment to ensuring their personal privacy.  As a result of this commitment, we have developed this Privacy Policy, which is available to our customers.  Customers who have questions about this policy or the privacy of their customer information may call their local branch.

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