First Federal Bank
Customer Information Privacy Policy
The bank is committed to protecting the information you provide to us. This includes information that we received from your online communications with us, such as your visits to our website and your transactions through the internet, and other electronic services we provide. We want you to know how we collect information about you and how we use it. We also want to assure you that we will always respect your privacy and the confidentiality of personal information about you. This policy is also to let you know that you may contact us toll free at 1-800-625-2265 or write to: First Federal Bank, 611 E. College Street, Dickson, Tn 37055 to notify us of any erroneous information we may have. Please include your full name, street address, telephone number including area code, and social security number. Upon notification, we will investigate and make appropriate corrections. Please allow up to six weeks for this process to be completed.
First Federal Bank reserves the right to change this policy at any time by issuing a new privacy policy.

First Federal Bank Branches
Dickson | Centerville | Fairview | Waverly
New Johnsonville | Charlotte | Vanleer | White Bluff










Collection, Use and Retention of Your Information
First Federal Bank collects, uses, and retains information about you only when we reasonably believe that the information is necessary to conduct our business properly, provide excellent service to you and to offer you additional products and services. We will tell you why we collect and retain certain information upon request.
 
Maintaining the Accuracy of Your Information
First Federal Bank is committed to maintaining the accuracy of your information. We educate our employees and establish procedures to assure that records of your financial transactions are accurate, current, and complete in accordance with reasonable industry standards. If you become aware of any inaccurate information contained in our records, you should contact us at 1-800-625-2265 and we will undertake to investigate any inaccuracy and to correct it as promptly as possible. You are also entitled to request a copy of your credit report from credit reporting agencies and to have credit reporting agencies investigate and correct any inaccuracies contained in their reports.
 
Protection and Confidentiality of Nonpublic Personal Information
First Federal Bank educates its employees about the critical importance of confidentiality and customer privacy. We take appropriate disciplinary action, if required, to enforce this responsibility among our employees. Access to customer information is only provided to those employees with a valid reason for knowing such information for us to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer information.
 
Categories of Nonpublic Personal Information We May Collect
When appropriate in conducting business, First Federal Bank may collect "nonpublic personal information" about you from a variety of sources:
  • Information we receive from you on applications or other forms or visits to our Internet web site (such as Social Security number, assets, income, and debts).
  • Information about your transactions with us (such as account balances and payment history).
  • Information (such as your creditworthiness and credit history) we may receive from consumer credit reporting agencies.

"Nonpublic personal information" is information that is not available publicly and that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. We limit our collection of information to that which we believe is necessary to conduct our business properly, provide excellent service to you and to offer you additional products and services that we believe may be of interest to you.

 
Restriction on the Disclosure of Account Information
First Federal Bank does not disclose nonpublic information about you to anyone, except for the exchange of information with reputable credit reporting agencies or in the performance of bona fide corporate due diligence, unless:

  • You request us to do so, or
  • The disclosure is required or allowed by law.
 
Restrictions That Protect Your Privacy in Third-Party Business Relationships
It is sometimes necessary to provide your information to a third party such as a vendor or service provider that we engage to provide you with services. First Federal Bank insists that the third party adhere to strict guidelines for keeping your information confidential.
 
Privacy on Our Web Site
We appreciate that both customers and those just visiting our web site have special concerns about the privacy of their nonpublic personal information on the Internet. Our privacy policy, described above applies fully to all communications and transactions between you and us on the Internet. We also want you to know that have taken steps to provide for the safety and security of your information while communicating with us on the Internet. First Federal Bank, like any web site owner, may collect and store information about the name of the domain which you use to access the Internet, the date and time you access our site, and the Internet address of the web site from which you linked to us. We may also collect information on visitors in the aggregate tom enable us to tell which areas of the web site are of the most interest to our users, which areas of site promotion are most effective, and when peak usage occurs.
 
Email Privacy
First Federal Bank's web site does not require you to disclose any personal information. If, however, you elect to contact us via email, please be aware that your email address, and any other information your email header shows about you, such as your name or business, will be visible to us in the email. When you communicate with us by email, we will only use your email information for the specific purpose of responding to your comments or questions. Your email address will not be sold, nor will it be shared with others outside the institution unless we are required to do so by law.
 
Customer Security Guidance
Computer Security Tips
Many companies, including First Federal Bank, are taking advantage of the enormous potential offered by public networks such as the Internet by making more and more of their products and services available online. First Federal Bank uses a variety of technologies and techniques to secure its products and services. You can also enhance security and help control risks when using your personal computer or when conducting business online. Here are some of the steps you can take.
 
Basic Security
  • Control physical access to your personal computer (PC); that is, do what you can to prevent unauthorized persons from using your PC.
  • If you are using your PC and need to walk away from it for any reason, log off or lock your workstation.
  • Select passwords that would be difficult for others to guess and change them frequently.
  • Do not give your passwords to anyone.
  • Report suspicious activity you notice relating to your PC or use of your PC to the appropriate person and do so as quickly as possible. If you notice suspicious activity relating to accounts at the bank that you access online, call 1-800-625-2265 promptly to report that activity to First Federal Bank.
 
Virus Management
  • Install virus management software on your PC and use it regularly.
  • Keep it up to date (i.e., latest signature files and product updates).
  • Be cautious when downloading and running programs or Java or ActiveX applets as they may contain unsecured data that cannot be filtered using firewall or anti-virus software, for example.
  • Use extreme caution when opening email received from unknown sources and pay special attention to any attachments. Do not execute an attachment from an unknown source. When in doubt . . . delete it without opening it.
 
PC Software
  • Understand and use the security features provided by your PC software, such as those included in may operating systems, browsers, and word processing systems.
  • Ensure that your browser uses the strongest encryption available and be aware of the level of encryption used when you connect to various sites and applications. For example, the bank's Internet banking system requires the use of 128-bit encryption.
  • Use only software from reliable vendors.
  • Stay abreast of the latest release and patch levels of the PC software you use.
 
Communicating with Others
Use good judgment in communicating with others, both in person and through the internet, especially those persons you do not know.
 
Take Advantage of the Opportunities
The Internet is and will continue to be the source of many new opportunities. Those who get the most out of those opportunities will be those who use them wisely. Although the foregoing list of guidelines is not exhaustive, it contains some key points that will help you use the Internet in a more secure manner. Use these guidelines along with caution and good judgment.
 
First Federal Bank reserves the right to change this policy at any time by issuing a new privacy policy.