Privacy Policy

What Does First Colorado National Bank Do With Your Personal Information?

Rev. Date 05/2022

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
  • Account balances
  • Account transaction
  • Transaction history
  • Checking account information
  • Overdraft history
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 Colorado National Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does First Colorado 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
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes
information about your creditworthiness
No We Do Not Share
For our affiliates to market to you Yes
Yes
For our nonaffiliates to market to you No
We Do Not Share
To limit our sharing
If you are a new customer, we can begin sharing your information 30 days from the date you received this notice. when you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions
Call 970.521.4141 or email contactus@firstcoloradobank.com 
Who We Are
Who is providing this notice? First Colorado National Bank
What We Do
How does First Colorado 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.
We also maintain other physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 
How does First Colorado National Bank collect my personal information? We collect your personal information, for example when you
  • Open an account or apply for a loan
  • Give us income information or use your credit or debit card
  • Make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why cant 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone? Your choices will apply for everyone on your account - unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with common ownership under OakStar Bancshares, Inc., and financial companies, such as financial institutions, wealth management companies, and BrightOak, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include mortgage companies, solar panel installers, and insurance companies
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partner(s) include third-party service providers who may be used to market our products to you.