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Security and Privacy

Digital Privacy Disclosure

For purposes of this Digital Privacy Disclosure, “you” and “your” means a user accessing any of TFNB’s digital services, including the website, TFNB Online Banking, TFNB Mobile App, and TFNB branded social media pages. “TFNB”, “TFNB Your Bank for Life”, “we”, “us”, “bank” or “our” means First National Bank dba TFNB Your Bank for Life.

Your privacy is important to us. This Digital Privacy Disclosure describes our practices for collecting, sharing, using, maintaining and protecting information when you visit or use our digital services.

TFNB’s digital services are intended for use by consumers solely within the United States.

Our digital services are not intended for children under 13. TFNB Your Bank for Life does not knowingly collect personal information from children under 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website:

This Digital Privacy Disclosure is effective as of August 2019 and may be updated from time to time without prior notice. Each time you access or use any of TFNB’s digital services, you are consenting to the Digital Privacy Disclosure then in effect.

TFNB Your Bank for Life is committed to protecting your privacy. We respect and recognize your concern about the use and protection of any personal information provided to us. When you use any of our online services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you.


Our Website is designed to provide information about our deposit, loan, and other financial services, and help you effectively and conveniently manage your finances.

Using our Website to take advantage of these services may require that you provide us with personal information.

Information We Collect and How We Use It

We may use the collected information for the following:

  • Verify your identity
  • Protect against fraud, security threats and manage any risks
  • Improve user experience with our digital services
  • Communicate with you regarding products or services that may be of interest
  • Comply with legal or regulatory requirements, laws, subpoenas and similar processes as permitted by applicable law.

Collection of Information

Financial Products and Accounts (E.g.: deposit accounts, loans, financial services)

When you open an account with TFNB Your Bank for Life, we collect information about you as required or permitted by U.S. federal law. To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means to you: when you open an account, we will ask for your name, address, date of birth, social security number, information provided on your driver’s license and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


The TFNB website and any other TFNB online platforms use cookies to provide an enhanced customer experience when you use our website and online platforms. Cookies contain data about your Internet usage and are stored directly on your computer. Our cookies are used to remember your Login ID, detect Transport Layer Security (TLS) settings on your browser, identify a trusted device or computer and to determine areas of interest for marketing and advertising purposes. The cookies from our website will stay on your computer until you clear or delete the cookies. You can choose to adjust your browser settings to block or delete cookies, but this could degrade your online experience by requiring you to enter your Login ID and password each time you login and requiring a secondary authentication with a Secure Access Code (SAC). You can delete cookies on your computer by following the instructions for your browser.

Google Analytics

TFNB Your Bank for Life uses Google Analytics to collect Non-Personally Identifiable Information whenever available. Google Analytics uses cookies to collect this information. This data collection provides a statistical summary that cannot be tracked back to a specific individual. For example, we are able to view the number of visitors to our site who use a certain type of Internet browser, but we are not able to determine which browser the visitor uses.

Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser. If you do not want Google Analytics to collect information about your website use, you can opt-out by visiting and following the instructions.

European Union (EU) Data Subject Rights

The EU’s General Data Protection Regulation (GDPR) provides certain rights to EU residents. This Digital Privacy Disclosure is intended to provide you with information on what data TFNB collects and how it is used.

In response to requests that fall under GDPR for EU residents we will conform to the requirements of GDPR. Please contact us with the information provided below. For all requests from U.S. residents, please see our Fee Schedule for research request fees.


You should safeguard your accounts. Electronic banking is a convenient and safe way for conducting your financial transactions with us. The advantages of electronic banking are made possible through the use of access codes, personal identification numbers (PIN’s), user names and passwords that allow online access to your accounts. To protect your money and your financial privacy, keep your codes and other access devices and names secret and guard them against being obtained and used by unauthorized persons. Providing to others your access codes, PINs, user names, passwords or any other information that allows access to your accounts and financial information, may expose your accounts to fraud, the risk of theft of your money, and the compromise of your financial privacy. Permitting others access to these and other access codes may establish your responsibility for their unauthorized use or misuse and result in your liability for any loss of funds from your accounts. You should review the terms and conditions of your account agreements and immediately report any unauthorized activity to us. Our Website is not directed to children less than 13 years of age and we do not knowingly collect personal information from children. If we have actual knowledge of receiving unsolicited personal information from a child through our “Contact us” button, other Website portal or avenue, or via e-mail we will take one of two actions: (a) we may collect a child’s name and contact information for the purpose of responding one time to the child and will then immediately delete the information; or (b) we may immediately delete the information entirely without responding. Third-party companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visit to this web site in order to provide advertisements about goods and services likely to be of greater interest to you. To learn more about Interest-Based Advertising or to opt-out of this type of advertising by those third parties that are members of self-regulatory programs such as the Network Advertising Initiative, please visit the NAI’s website ( which will allow you to opt out of Interest-Based Advertising by one, or all, NAI members.

Security of Your Information

TFNB Your Bank for Life complies with all applicable federal and state laws and regulations regarding security of customer data.

Questions, Concerns, or Complaints

Please contact TFNB’s Compliance department: 

TFNB Your Bank for Life
Compliance Department
901 S 8th Street
Waco, TX  76706

For your security: Do not send account or personal information in an email message.

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