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Privacy Policy

Rev. 5/2023

FACTS

WHAT DOES FIRST BANK UPPER MICHIGAN 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 income
Account balances and payment history
Credit history and employment 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 Bank, Upper Michigan chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Bank Upper Michigan 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

For our marketing purposes — to offer our products and services to you

We don't share

For joint marketing with other financial companies

We don't share

For our affiliates' everyday business purposes — information about your transactions and experiences

We don't share

For our affiliates' everyday business purposes — information about your creditworthiness

We don't share

For nonaffiliates to market to you

We don't share

Questions?

Call (906) 786-0220 or go to www.first-bank.com

What we do

How does First Bank, Upper Michigan 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 Bank, Upper Michigan collect my personal information?

We collect your personal information, for example, when you

Open an account or give us your income information
Give us your employment history or pay us by check
Show your driver's license

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 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.

First Bank, Upper Michigan does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial or nonfinancial companies.

First Bank, Upper Michigan 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 Bank, Upper Michigan doesn't jointly market.

Privacy Policy

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