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Privacy Policy



Rev. 02/2019


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


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.


Reasons 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



For joint marketing with other financial companies




For our affiliates’ everyday business purposes –

information about your transactions and experiences



For our affiliates’ everyday business purposes –

Information about your creditworthiness



For our affiliates to market to you




For nonaffiliates to market to you







To limit
our sharing


• Mail 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 our sharing.



Call 308-537-7181 or go to email connect@flatwaterbank.bank


Mail-in Form

Leave Blank


If you have a joint account, your choices(s) will apply to everyone on your account.

Mark any/all you want to limit:

q Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

q Do not allow your affiliates to use my personal information to market to me.

q Do not share my personal information with nonaffiliates to market their products and services to me.


Name & Address


City, State, Zip

Account #


Mail to:

Flatwater Bank
P.O. Box 81 Gothenburg, NE 69138 or Click here to email your request to us.





Who we are

Who is providing this notice?

Flatwater Bank

What we do

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 your 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 non-affiliates 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 non-financial companies.

  • Investment Service Center



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

  •  Insurance Companies


Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  •  Club account products and services
  • Internet banking products and services
  • Mobile banking products and services