Privacy Policy

What Does First National Bank of Huntsville Do With Your Personal Information?

Rev. Date 08/2026

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 income account balances and payment history account transactions and transaction history 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 National Bank of Huntsville chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does First National Bank of Huntsville 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 Do Not share
For joint marketing with other financial companies	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share
For nonaffiliates to market to you	No	We Do Not Share

Questions?	Call 936-295-5701 or go to www.fnbhuntsvilletx.bank

SMS For Consent Communication	Mobile Opt-in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes
Types of SMS Communication	If you have consented to receive text messages from First National Bank of Huntsville, you may receive text messages related to either your initial message (our reply), reminders, or updates along the lines of: “Hello, thank you for contacting First National Bank of Huntsville. How can we help you? Reply Stop to opt-out at any time. Message and data rates may apply. For assistance, text Help”. Our Terms of Service at: Cybersecurity When you sign up for text messages with First National Bank of Huntsville, you are signing up to receive text messages related to your relationship with First National Bank of Huntsville. These messages may include: Bank Account Information
Opt-in and Opt-out SMS Communications	Opt-In Method: Customer will Opt-In for SMS messaging from First National Bank of Huntsville through intake discussions or initiating an SMS conversation. This agreement for SMS will not be shared with third parties for marketing purposes. Opt-out: Customer will be able to opt out of SMS messaging from First National Bank of Huntsville by replying STOP at any time to any received SMS message. Your opt-out request will generate one final message confirming that you have been unsubscribed. You will no longer receive SMS messages from First National Bank of Huntsville You can opt back in at any time by replying START. To receive assistance, you may always reply HELP within the text message thread. If you are experiencing issues with the messaging program, you can get help directly at Replace with Phone Number Enabled for SMS. Neither carriers nor First National Bank of Huntsville are liable for delayed or undelivered messages. Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary.

SMS For Consent Communication

Mobile Opt-in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes

Types of SMS Communication

If you have consented to receive text messages from First National Bank of Huntsville, you may receive text messages related to either your initial message (our reply), reminders, or updates along the lines of:
“Hello, thank you for contacting First National Bank of Huntsville. How can we help you? Reply Stop to opt-out at any time. Message and data rates may apply. For assistance, text Help”.

Our Terms of Service at: Cybersecurity

When you sign up for text messages with First National Bank of Huntsville, you are signing up to receive text messages related to your relationship with First National Bank of Huntsville. These messages may include:

Bank Account Information

Opt-in and Opt-out SMS Communications

Opt-In Method: Customer will Opt-In for SMS messaging from First National Bank of Huntsville through intake discussions or initiating an SMS conversation. This agreement for SMS will not be shared with third parties for marketing purposes.
Opt-out: Customer will be able to opt out of SMS messaging from First National Bank of Huntsville by replying STOP at any time to any received SMS message. Your opt-out request will generate one final message confirming that you have been unsubscribed. You will no longer receive SMS messages from First National Bank of Huntsville You can opt back in at any time by replying START.
To receive assistance, you may always reply HELP within the text message thread. If you are experiencing issues with the messaging program, you can get help directly at Replace with Phone Number Enabled for SMS. Neither carriers nor First National Bank of Huntsville are liable for delayed or undelivered messages.
Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary.

Who We are
Who is providing the notice?	First National Bank of Huntsville

What We Do
How does First National Bank of Huntsville 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 National Bank of Huntsville collect my information?	We collect your personal information, for example, when you Open an account or tell us where to send the money Give us your contact information or show your driver's license Tell us who receives the money 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 to you State laws 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 National Bank of Huntsville has no affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. First National Bank of Huntsville does not share with non-affiliates.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. First National Bank of Huntsville does not jointly market.