Disclosures & Fees
Privacy Disclosure
Rev 1/1/2012
FACTS |
WHAT DOES First Financial Bank do with YOUR PERSONAL INFORMATION? |
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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. |
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What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you close your account, we continue to share information about you according to our policies. |
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How? |
All financial companies need to share customers’ personal information to run their everyday business – to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Financial Bank chooses to share; and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does First Financial Bank share? |
Can you limit this sharing? |
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For our everyday business purposes— |
Yes |
No |
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For our marketing purposes— |
Yes |
Yes |
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For joint marketing with other financial companies |
No |
We don’t share |
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For our affiliates’ everyday business purposes— |
No |
We don’t share |
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For our affiliates’ everyday business purposes— |
No |
We don’t share |
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For our affiliates to market to you |
Yes |
Yes |
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For nonaffiliates to market to you |
No |
We don’t share |
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To limit |
Call 800-562-6896 our menu will prompt you through your choice(s) |
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Questions? |
Call 800-562-6896 or go to firstfinancialbank.com |
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FACTS |
WHAT DOES First Financial Bank do with YOUR PERSONAL INFORMATION? |
What we do |
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How often does First Financial Bank notify me about their practices? |
We must notify you about our sharing practices when you open an account and each year while you are a customer. |
How does First Financial 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 Financial Bank collect my personal information? |
We collect your personal information, for example, when you
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 for
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 else? |
Your choices will apply to everyone on your account. |
Definitions |
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The actions necessary by financial companies to run their business and manage their customer accounts, such as
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies. |
Nonaffiliates
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Companies not related by common ownership or control. They can be financial and nonfinancial companies. First Financial Bank does not share with nonaffiliates so they can market to you. |
Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. First Financial Bank does not jointly market. |
Member FDIC
Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
Terms of Use
THESE TERMS OF USE GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THIS WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
This website has been established by First Financial Bank for the sole purpose of conveying information about First Financial Bank's products and services and to allow communication between First Financial Bank and its customers. Nothing contained in any page on this website takes the place of First Financial Bank's agreements and disclosures that govern its products and services. If any information on the website conflicts with that in First Financial Bank's agreements and disclosures, the agreements and disclosures will control.
Banking Online
This website is an online financial services website offering a variety of content, products and services. First Financial Bank grants to you, for your personal or internal business purposes only, a nonexclusive, limited and revocable right to access and use this website. You agree not to use this website for any other purpose, including commercial purposes, such as co-branding, framing or linking, without First Financial Bank's prior written consent.
You agree not to use this website for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.
Fees
General access to this website will be provided to you free of charge. However, you may incur fees if you use or obtain some of the products or services available through this website. To learn more about such fees, please refer to the specific terms and conditions applicable to each product or service.
Equipment
You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software, and internet access services necessary to use or access any aspect of this website. First Financial Bank will not be responsible for any errors or problems that arise from the malfunction or failure of your hardware, software, or any internet access services.
Limitation of Access
We may terminate, suspend or limit your access privileges to this website's Online Banking feature, in whole or in part, in our sole discretion, at any time without prior notice.
Account Information and Password Protection
To prevent unauthorized access to your accounts and to prevent unauthorized use of this website's Online Banking feature, you agree to protect and keep confidential your User ID, PIN, Password, or other means of accessing your accounts to any person not authorized to access your accounts. The loss, theft, or unauthorized use of your User ID, PIN, and Password could cause you to lose some or all of the money in your accounts. If you disclose your User ID, PIN and/or Password to any person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to use this website's Online Banking feature or to access or use your User ID, PIN, Password, or other means to access your accounts, you are responsible for any transactions and activities authorized from your accounts. If you believe someone may attempt to use or has used this website's Online Banking feature without your permission, or that any other unauthorized use of your User ID, PIN, and Password or security breach has occurred, you agree to immediately notify us by calling (870) 863-7000 during normal customer service hours. Unauthorized account access is prohibited and violators will be prosecuted.
Copyright and Trademark Notices
The images, text, screens, and web pages appearing on First Financial Bank's website and other websites affiliated with us or others, are protected by copyright laws. You agree not to copy, display, distribute, download, license, sub-license, modify, publish, repost, reproduce, reuse, sell, transmit, or otherwise use for public or commercial purposes, the information and materials contained in this website (except as provided in agreement) without our express written permission. Unless otherwise noted, all other trademarks, service marks, and logos used on this website are the trademarks, service marks or logos of First Financial Bank, or others as indicated.
Warranties Disclaimer
EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF ONLINE BANKING IS AT YOUR SOLE RISK AND THAT THE SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS WEBSITE, ARE PROVIDED ON AN "AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT FIRST FINANCIAL BANK MAKES NO WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, FIRST FINANCIAL BANK DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ONLINE BANKING AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THIS WEBSITE.
Site Links
This website contains links to other third party websites. First Financial Bank is not responsible for, nor does control, the content, products, or services provided by linked sites. First Financial Bank does not endorse or guarantee the products, information or recommendations provided by linked sites, and is not liable for any failure of products or services advertised on those sites. In addition, each third party site may provide less security than First Financial Bank and have a privacy policy different than that of First Financial Bank. Your access, use and reliance upon such content, products or services is at your own risk.
Choice of Law/Successors
These Terms of Use and its enforcement shall be governed by the laws of the State of Arkansas, without regard to any choice of law provision, and shall inure to the benefit of our successors and assigns, whether by merger, consolidation, or otherwise. The account(s) accessed via this website's Online Banking feature shall be governed by laws of the applicable account agreements.
Indemnity
You acknowledge and agree that you are personally responsible for your conduct while using this website and agree to indemnify and hold First Financial Bank and its affiliates and their officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including attorneys' fees) that we may incur in connection with a third party claim or otherwise, in relation to your use of this website or your violation of these Terms of Use or the rights of any third party.
Risk of Loss
In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction(s) that you initiated, that were in the process of completing, or that were completed shortly before a system failure or interruption should be verified by you through means other than online to ensure the accuracy and completeness of such transaction(s). You assume the risk of loss of your data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s) so affected.
Miscellaneous Terms
Unless otherwise prohibited by law, any communication or material you transmit to us via this website or internet electronic mail is on a non-confidential basis and we may use such communication or material for any purpose consistent with our Privacy Policy, including reproduction, publication, broadcast and posting.
This agreement may be changed from time to time. All users agree to be subject to this agreement as it changes from time to time.
El Dorado - Smackover, Arkansas
Carthage - Senatobia, Mississippi
