Flatwater Bank Privacy Policy




Rev. 04/2024

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. 

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 credit scores
  • credit history and account transactions
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 Flatwater Bank chooses to share; and whether you can limit this sharing.

Reason we can share your personal information Does Flatwater 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

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
Yes No
For our affiliates’ everyday business purposes –
Information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes
To limit sharing, please complete the form below.  

Please note:  if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.  When you are no longer our customer, we continue to share your information as described in this notice.  However, you can contact us at any time to limit sharing.
Call 308-537-7181, email us at or, to quickly refer to other disclosures click below:

Flatwater Bank Website Privacy Notice
Flatwater Bank Digital Banking Terms and Conditions
Who is providing this notice?
Flatwater Bank Gothenburg, Brady, and Ansley Branches
How does Flatwater 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.

We strongly urge you not to e-mail confidential information to us other than through the bank’s secure website.

How does Flatwater Bank collect my personal information?
We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • provide account information
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.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control.  They can be financial and nonfinancial companies.
  • Investment Service Center

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

Joint marketing:
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Internet banking products and services
  • Mobile banking products and services