Privacy Policy

What Does First Capital Bank Do With Your Personal Information?

Facts What does First Capital Bank do with your personal information ?

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 account balances Income Account Balances Payment history and transaction history Transaction or loss history and credit history Credit Information 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 Capital Bank chooses to share, and whether you can limit this sharing.

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 account balances
Income
Account Balances
Payment history and transaction history
Transaction or loss history and credit history
Credit Information

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 Capital Bank chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does First Capital 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	No	We don’t share
For our affiliates’ everyday business purposes information about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share

Questions?	Call (843) 990-7770 or go to https://www.bankwithfirstcapital.com/contact-us/

Who we are	First Capital Bank
What we do
How does First Capital 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.
How does First Capital Bank collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Give us your contact information Pay us by check Make a wire transfer 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 credit worthiness 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 Capital Bank does not share with our affiliates.*
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. *First Capital Bank does not share with non-affiliates so they can market to you.*
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service providers, such as credit card issuers. Our joint marketing partners also include non-financial company service providers, such as advertising and marketing firms.
Other Important Information	ID Theft Assistance: If you believe you are a victim of identity theft, contact First Capital Bank at 843-990-7770. Contact Social Security Administration Fraud Hotline at 1-800-269-0271. Also contact a credit reporting agency such as Trans Union at 1-800-680-7289 or Experian at 1-888-397-3742. Please contact First Capital Bank to report a change in legal name, address or phone number.