FDIC Consumer Alerts are posted at the FDIC website to help consumers keep informed about the most recent methods criminals use to get individuals to disclose personal information. On the Federal Trade Commission site, consumers can find detailed guidance on how to monitor their credit histories, use effective passwords, and recover from identity theft.

 

 

Privacy Policy

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

 

This Privacy Policy describes how Ruby Valley National Bank handles and protects personal and financial information we collect from you, our customer. While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential. We believe that it is our responsibility to safeguard your personal and financial information and ensure you the confidentiality you deserve.

 

In order to more fully understand our policy, here are a few definitions:

 

You and your mean the following types of customers:

  • Consumer customers who have a continuing relationship with us, such as:
    Deposit account
    Loan account
    Safe deposit box
    Home mortgage brokerage
  • All IRA accounts for which we act as custodian
  • All former customers

 

We, our, and us means Ruby Valley National Bank.

 

Nonpublic personal information--information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

 

Affiliate--a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

 

Nonaffiliated third party--a company that is not an affiliate of ours.

 

TYPES OF INFORMATION THE BANK COLLECTS

 

We collect nonpublic personal information about you from some or all of the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with nonaffiliated third parties
  • Information from a consumer reporting agency

TYPES OF INFORMATION THE BANK DISCLOSES

 

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

 

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

 

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

 

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

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