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Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account or changes an
existing account. This federal requirement applies to all new customers and current
customers. This information is used to assist the United States government in the fight
against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we
will ask each person for their name, physical address, mailing address, date of birth,
and other information that will allow us to identify them. We will ask to see each personís
driverís license and other identifying documents and copy or record information from
each of them.

USA PATRIOT ACT
FCNB since 1907
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