Privacy Policy

It is the policy of First National Bank, Cortez to provide all consumers who engage in a consumer transaction with our bank a copy of the Privacy Notice.  The notice will inform consumers about the conditions under which we may disclose nonpublic personal information such as when providing financial products and services to the customer.  The notice given to the consumer will be clear and conspicuous and understandable and designed to call attention to the nature and significance of the information contained in the notice.

Personal information is collected from all new customers and maintained on all current customers.  Every precaution is taken to ensure the information received from the customer will be kept safe, secure and private.  Personal information is protected from unauthorized access and use by secure measures that comply with federal law.  These measures include physical safeguards and secured computer systems.

First National Bank, Cortez restricts access to nonpublic personal information to those employees who need the information in the performance of their duties.  All employees and board members must agree to and sign the banks Employee Confidentiality Agreement on an annual basis.

First National Bank, Cortez does not share information except to provide services to our customers eliminating the need for the Right to Opt-Out requirement.  Customer account information is not shared or maintained for marketing purposes and the bank does not engage in the practice of re-disclosure and reuse of information.

Several bank policies address privacy and the protection of customer information including the following: Right to Financial Privacy Act, Identity Theft Program and Fair Credit Reporting Act, Safeguarding Customer Information Policy/GLBA Policy and Incident Response and Preparedness Policy.

Audit and staff training will be conducted on an annual basis covering privacy and the importance of protecting customer confidentiality.


To see or print our Privacy Notice click HERE.





To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies every customer.

What this means for you: when you open an account or apply for a loan we will ask for your name, address, date of birth, and any other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


Security Policy 

First National Bank, Cortez utilizes the highest levels of online security to ensure that your information is safe. Our strict internal policies and procedures provide you with the online account protection that we would expect ourselves, as bank customers.

All First National Bank, Cortez online sessions are 100% regulated and secure to provide you with peace of mind in updating your accounts online. We have installed and maintain security procedures to prevent any unauthorized access to your privileged information. We will to continue to update and test our computers and other technology to guarantee the highest security for our systems and customer information.


Technical Information

First National Bank, Cortez utilizes a Multifactor Authentication security solution which provides a complete end-to-end solution for multi-factor authentication that builds customer confidence while conducting online transactions via the Internet. New regulations and guidelines recommended by the FFIEC require financial institutions to implement multifactor authentication. This solution provides simple usability to the customer without changing the way customers interact online. Multifactor authentication derives its name from the concept that a customer can be identified by multiple factors: something he/she knows, something he/she has and something he/she is. Multifactor authentication uses these factors to identify the customer when conducting financial transactions online. Our solution utilizes a watermark technology designed to instill confidence and trust in online banking customers by providing those customers with a personalized graphic when they correctly access the bank’s legitimate Web site. This is a reverse authentication “cookieless” watermark that appears on the login page of the Internet banking session, providing customers with a safe, consistent and simple online experience. During setup, the customer selects from a library of tens of thousands of unique images. Upon reaching the Internet banking site, the customer is presented with the login page that asks for the customer’s login ID. Only after the correct image is returned and verified and the customer profile is validated, can customers proceed by entering their password to complete the login. This behind-the-scenes, risk-based authentication system provides security to customers as they conduct online banking transactions. A profile is built for each customer that includes device IDs, IP address, transaction types and dollar amounts. The system is invisible to the customers and does not require them to change their login process, download any software or buy any hardware. The customer’s device ID is used as an additional factor for authentication. Our solution invokes additional authentication for higher risk transactions by either using a challenge only response or by using a challenge response with an optional out-of-band, real-time automated telephone call if the customer fails the challenge response. These technologies provide a complete end-to-end solution for multifactor authentication.

We also strongly encourage our customers to routinely scan their personal computer(s) and portable media using a reliable and fully comprehensive security solution to protect and if necessary detect and remove and any malicious software. All types of security threats may corrupt and/or destroy your programs, steal you personal information and files and could even disable your hardware.  Additionally, you may unintentionally transmit some of these malicious programs to other computers.

Please know that First National Bank, Cortez will never send you an email asking for your personal information.  If you receive an email asking you to provide personal and/or sensitive information, do not click on any link and do not send the information.  Even if the website and/or email appear genuine - do not continue.


Keep Your Personal Numbers Safe and Secure

When creating passwords and PINs (personal identification numbers) do not use any part of your Social Security number, birth date, middle name, wife's name, child's name, pet's name, mother's maiden name, address, consecutive numbers, or anything that a hacker could easily deduce or discover. Ask businesses to substitute a secret alpha-numeric code as a password instead of your mother's maiden name. Shield the keypad when using ATMs or when placing calling card calls. Memorize your passwords and PINs; never keep them in your wallet, purse, Rolodex or electronic organizer. Get your Social Security number out of circulation and release it only when necessary -- for example, on tax forms and employment records, or for banking, stock and property transactions. Do not have your Social Security number printed on your checks, and do not allow merchants to write your Social Security number on your checks. If a business requests your Social Security number, ask to use an alternate number. Never give your Social Security number, account numbers or personal credit information to anyone who calls you.