Last Updated: 05/25/2023

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE PRIVACY POLICY BELOW. IF YOU DO NOT AGREE TO THE PRIVACY POLICY BELOW, DO NOT ACCESS THIS WEBSITE. By accepting this Privacy Policy, you also agree to our Terms of Use, which also governs your visit to this website, and which is incorporated by reference into this Privacy Policy.

Privacy Policy

Your privacy is important to First Bank & Trust (“Bank”). We have prepared this Privacy Policy to provide you with information about how we collect, use, disclose, and protect your personal information as part of the PFCP Card program. This Privacy Policy applies to the online collection and sharing of personal and other information through this website as well as other personal information related to your relationship with us.

If you have a financial product or service with us, we will use and disclose any information that we collect from or about you in accordance with our Financial Privacy Policy, which offers you certain choices with respect to the use and disclosure of your personal information.

Information Collection

Information You Provide: We collect information about you (“personal information”), through your use of our website, as well as your use of our products and services, some of which may not be personally identifiable. Personal information includes “personal information” as defined by the California Consumer Privacy Act (“CCPA”). We collect any information that you provide to us on this website or through your access to or use of this website or our products and services. We may also collect this information from you in the course of our business relationships, including with our commercial clients or third-party service providers. This includes, but is not limited to, personal information such as:

  • Identifiers: Real name, mailing address, email address, and telephone number signature or any other financial information;
  • Commercial information: including credit reports, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
  • Internet or other electronic network activity information: including, but not limited to, browsing history, Internet Protocol address, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement;
  • Audio, electronic, visual, or similar information;
  • Professional- (or employment-) related information;
  • Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, or behavior;
  • Any other information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household; and
  • Sensitive personal information, such as your Social Security number and account log in.

We also collect technical information about your visit to our website, which may include information about your device, web browser, and location. When you browse our website, your IP address (the Internet address of your computer) is collected so that we may know how you are using our website. Your browser may also automatically provide us with information regarding the type of computing device and operating system you are using.

This website also uses cookies to record user-specific information about the pages you access or actions you take during your visit on our website. These cookies do not store or collect any personally identifiable data. Please see the section below on cookies for more information.

Information Collected from Third Parties: We also collect personal information about you from third parties. This includes your personal information such as:

  • Our business partners may provide us with information about you.
  • Our service providers may give us information about you that they collect when performing services on our behalf.
  • We may supplement the information that we collect about you with information from data providers, such as consumer reporting agencies or government records.
  • We may receive information about you when you interact with our brand on social media sites or other third-party websites, including but not limited to Facebook, Twitter, LinkedIn, or YouTube.
  • The information we receive includes but is not limited to employment, mailing address, email address, or real name.
Information Uses

We may use the information that we collect from you to:

  • Provide you with the services or products that we offer;
  • Respond to your inquiries, requests, or other service-related purposes;
  • Communicate with you to administer the website and our products and services, including notifying you about any updates, changes, or additions to this Privacy Policy;
  • Enhance your experience with us, such as tailoring the website content to your preferences or developing new products or services based on your interactions with this website;
  • Send you information about products or services that we think may be of interest to you;
  • Carry out any specific purposes for which we have obtained your prior consent; and
  • Conduct any other legitimate business activities not otherwise prohibited by law.

We may also use your information for business or commercial purposes such as:

  • Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
  • Helping to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for these purposes;
  • Debugging to identify and repair errors that impair existing intended functionality;
  • Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with us, provided that the personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer’s experience outside the current interaction with us;
  • Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services;
  • Providing advertising and marketing services, except for cross-context behavioral advertising, to the consumer provided that, for the purpose of advertising and marketing, a service provider or contractor shall not combine the personal information of opted-out consumers that the service provider or contractor receives from, or on behalf of, the business with personal information that the service provider or contractor receives from, or on behalf of, another person or persons or collects from its own interaction with consumers;
  • Undertaking internal research for technological development and demonstration;
  • Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us; and
  • Any commercial purposes, including any purpose to advance your commercial or economic interests, such as by inducing you to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction.
Information Disclosure

We may disclose any of the categories of personal information about you described above with relevant and appropriate third parties in the following situations:

  • To our service providers that perform functions on our behalf;
  • To data analytics providers;
  • To protect or enforce our rights or property, protect your safety or the safety of others, or to investigate, prevent, or take action against fraud or other illegal activities;
  • To government entities;
  • In response to legal process or as otherwise required by law;
  • In the event that Bank goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets; or
  • To conduct any other legitimate business activities not otherwise prohibited by law.

Notwithstanding anything else in the Privacy Policy, we may disclose aggregate or non-personally identifying information about our users with third parties for marketing, advertising, research, or other business purposes.

We have disclosed the following categories of personal information with the following categories of third parties:

We do not sell personal information, and we will not sell personal information except as described in this Privacy Policy or if we provide you with notice and a right to opt out of such sale. We have no actual knowledge of selling the personal information of individuals under 16 years old during the prior 12 months. We also do not share personal information for cross-context behavioral advertising.

Information Security

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

To protect the security of your information, we may require you to authenticate your identity (i.e., prove that you are who you say you are) to conduct certain transactions on this website. It is a good idea to protect your security by always closing your web browser after leaving the website. If you believe that information you have submitted through this website has been used without your permission to engage in any unauthorized activity, you must tell us immediately. The best way of keeping your possible losses to a minimum is to call us at 1-833-456-8700. If you fail to notify us, you may be liable for all unauthorized activity on your account.

Third-Party Links

This website may contain links to third-party websites. By including a link to third-party websites, the Bank does not endorse or recommend any products or services offered or information contained at the third-party websites. The Bank disclaims liability for any privacy practices of the third-party websites linked on this website, which may have a privacy policy different from that of the Bank. If you decide to visit a third-party website via a link contained on our website, you do so at your own risk.


In addition to the information you provide, Bank may also collect information during your visit to our website through our online tracking technologies and other information-gathering tools. These tools collect certain traffic information that your browser sends to a website, such as your browser type and language, access times, and the address of the website from which you arrived. They may also collect information about your Internet Protocol (“IP”) address, clickstream behavior (i.e., the pages you view, the links you click, and other actions you take in connection with websites or “powered by” websites), and product information. When you browse or visit our website, we may store certain information on your computer in the form of a small text file or “cookie,” which can help us to tailor our website to your individual preferences and save you time if you visit our website again. For more information about cookies, please visit in a new Window).

Information from these tracking technologies, which may include the time and length of your visit, viewed web pages, previously visited websites, and your Internet service, allows us to measure website activity and to create ideas for improving our website. We or our third-party providers may collect personal information about your online activities over time and across different websites when you use our website. For example, we use Google Analytics to generate statistical and other information about the use of our website by means of cookies. To learn more about Google’s privacy policy, please visit in a new Window). You can also learn more about how to opt out of the collection and processing of such information by Google by visiting this website: in a new Window).

We may partner with other third parties to provide certain features on our website or to display advertising on our website based upon your online activities. Some of these third parties may provide you with ways to choose not to have your information collected or used for targeted advertising. To learn more about cookies and your ability to opt out of certain third- party advertising cookies, please visit the following websites: in a new Window) or in a new Window). You have the ability to accept or decline cookies using your web browser settings. If you choose to not accept cookies from our website, you may not be able to take full advantage of our features or to receive some of the services that our website provides. However, if you set your browser options to disallow cookies, you may limit the functionality of our website.

This website does not respond to browser “Do Not Track” signals.

Use of Website by Minors

This website is not intended for use by children or minors. We do not knowingly solicit information from children, and we do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents. Please notify us immediately if you believe that we may have collected personal information from a child so that we can delete such information.

We do not sell the personal information of consumers that are less than 16 years of age, unless the consumer (in the case of consumers between 13 and 16 years of age) or the consumer’s parent or guardian (in the case of consumers who are less than 13 years of age) has affirmatively authorized the sale of the consumer’s personal information.

Retention of Your Information

The length of time we retain your personal information depends on several factors. We retain your personal information throughout our relationship with you and for additional time as required by applicable laws and regulations or for other legal purposes, such as preparing for and defending against litigation.

California Privacy Rights

Under the California Consumer Privacy Act, California residents have the right to:

  • Request that a business delete any personal information, including sensitive personal information, about the consumer which the business has collected from the consumer.
  • Request that a business disclose what personal it collects, free of charge, the following:
    • The categories of personal information that it has collected about that consumer.
    • The categories of sources from which the personal information is collected.
    • The business or commercial purpose for collecting or selling personal information.
    • The categories of third parties with whom the business shares personal information.
  • The specific pieces of personal information it has collected about that consumer.
  • Request that a business that sells or shares the consumer’s personal information, or that discloses it for a business purpose, disclose, free of charge, to the consumer:
    • The categories of personal information that the business collected about the consumer.
    • The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each category of third parties to whom the personal information was sold.
    • The categories of personal information that the business disclosed about the consumer for a business purpose.
  • Direct a business that sells personal information about the consumer to third parties not to sell the consumer’s personal information.
  • Request that a business that collects personal information about the consumer correct any personal information that is inaccurate.
  • Direct a business that shares personal information about the consumer to third parties for cross-context behavioral advertising not to share the consumer’s personal information.
  • Direct a business to limit the use and disclosure of sensitive personal information about the consumer.

You may submit a request under the California Consumer Privacy Act through the following methods:

  • You may call us toll-free at 1-833-456-8700.
  • You may write to us at P.O. Box 9208, Old Bethpage, NY 11804-9208

To submit a request, we are required to verify your identity. Please be prepared to provide us with your name, mailing address, telephone number, and Social Security number/account number. We may need to contact you to confirm your request.

You may also designate an authorized agent to make such requests on your behalf by submitting a written permission form establishing that the agent is authorized to act on the consumer’s behalf (e.g., a signed power of attorney). We may require that the agent verify the agent’s own identity.

We will not discriminate or retaliate against you if you choose to exercise any of your rights as described in this section.

Please be aware that based on our privacy practices, we may not comply with all requests. For example, we do not share personal information, so if you direct us not to share your personal information, there will be no action for us to take. Furthermore, federal and state laws and regulations, such as the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, may provide us with an exemption from your request.

Changes to Privacy Policy

We reserve the right to change this Privacy Policy at any time without notice to you. Unless otherwise stated, any modifications to this Privacy Policy will go into immediate effect after they have been posted, as indicated by the “Last Updated” date located at the beginning of this Privacy Policy. Your continued use of this website or any of our products and services indicates your consent to the Privacy Policy posted at the time of use.

Contact Us

If you have any questions about this Privacy Policy, please contact us at 1-833-456-8700.