Privacy Policy

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

Rev. Date 04/2023

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 transactions
  • Transaction history
  • Checking account information
  • Overdraft 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 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 No
We Do Not Share
For our nonaffiliates to market to you No
We Do Not Share
Questions
Call 970.527.4141 or 970.874.0100 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
  • Provide 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.
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., such as financial institutions.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • We do not share with nonaffiliates for marketing purposes.
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, such as our credit card provider, who may be used to market our products to you.