Privacy Notice

FACTS

WHAT DOES Waggoner National Bank
DO WITH YOUR PERSONAL INFORMATION?

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.

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 Account transaction history
• Credit scores                and Credit history

When you are no longer our customer, we continue to share your information as described in this notice.

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 Waggoner National Bank chooses to share; and whether you can limit this sharing.

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.

WNB requires and trains its employees to comply with its privacy standards and polices, which are designed to protect customer info.

How does Waggoner National Bank collect my personal information?

We collect your personal information, for example, when you

• open an account                  or make deposits or withdrawals
• open a Safe Deposit Box     or apply for a loan

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Waggoner National Bank has no affiliates.

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

• Waggoner National Bank does not share information with non-affiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 

• Waggoner National Bank does not jointly market.

FOR MOBILE BANKING APP USERS: Before proceeding, please take a moment to read and understand what personal information your banking app might collect under certain circumstances and how this information is used. For more details, please see the Privacy Policy. Why do we request access to personal information? The application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device’s settings. Some possible examples of information your app may request access to are: Location: Your location is used to prevent fraudulent activity and to display locations near you. Contacts: Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared. Camera: This app uses your camera to capture check images.