Annual Disclosure Statement

In accordance with federal regulation, InFirst Bank will provide an Annual Disclosure Statement to our customers and the general public, upon request, containing the bank's financial information for the last two years.

To request a copy of the Annual Disclosure Statement, please contact:
Mr. Ryan M. Glista, SVP & Chief Financial Officer
InFirst Bank
935 Philadelphia Street
Indiana, PA 15701
724-349-2810

Community Reinvestment Act Notice

Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Supervision and Consumer Protection (DSC), FDIC at 350 Fifth Avenue, Suite 1200 New York, NY 10118-0110. You may send written comments about our performance in helping to meet community credit needs to Jane Crawford, Senior Vice President Chief Compliance/Risk/BSA/CRA Officer at 935 Philadelphia Street Indiana, PA 15701 and FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.

FDIC Transaction Account Guarantee Program

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. The funds will then generally be available by the second business day after the day of deposit.

Equal Housing Lender Notice

EHL logo

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development Washington, DC 20410

For processing under the Federal Fair Housing Act and to:

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri 64108

For processing under FDIC regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • On the basis of race, color, national origin, religion, sex, marital status, or age,
  • Because income is from public assistance, or
  • Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri 64108

Important Information about Procedures for Opening a New Account

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 each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Unlawful Internet Gambling Enforcement Act Notice

Certain transactions are prohibited from being processed through your account or other relationships with InFirst Bank under the Unlawful Internet Gambling Enforcement Act of 2006 ("Act") and related regulations that have been issued by the Board of Governors of the Federal Reserve System and the United States Department Of The Treasury ("Regulation GG"). InFirst Bank is also required by the Act and Regulation GG to inform its commercial customers of this restriction.

Restricted transactions generally include, but are not limited to, those transactions in which credit (including credit extended through the use of a credit card), electronic funds transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with participation by others in unlawful Internet gambling.

Internet gambling will generally be deemed to be unlawful unless it is expressly authorized by license issued by an appropriate State or Tribal authority.

InFirst Bank PRIVACY NOTICE

Federal law requires us to tell you how we collect, share and protect your personal information.  Our privacy policy has not changed and you may review our policy and practices with respect to your personal information by clicking here.  You may also call us at 724-349-2810 to request a free printed copy which will be mailed to you within 10 days of your request.

InFirst Bank PRIVACY STATEMENT

This is our privacy statement to our customers. We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. We will explain your right to limit sharing information in certain circumstances.

DEFINITIONS

  • We, our, and us, when used in this statement, mean InFirst Bank.

  • You and your mean our consumer customers who have a continuing relationship with us by purchasing or holding financial products or services such as:

    • Deposit account
    • Loan account
    • Safe deposit box
    • Self-directed Individual Retirement Account
  • Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
  • An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
  • A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.
  • Opt out means a choice you can make to limit certain sharing of information.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. We do not sell or otherwise share any information with marketers outside of InFirst Bank who may want to offer you their own products and services. You do not need to take any action to prevent disclosure of this information.

COLLECTING INFORMATION

We collect and use various types of information to service your accounts. Customer Information is categorized as the following four types:

  1. Application Information - Information which you provide to us on an application, such as your assets, income, and debts.
  2. Transaction and Experience Information - Information about your transactions and account experience, such as account balances, payment history, and parties to the transactions.
  3. Consumer Report Information - Information from a consumer report, such as your credit history.
  4. Information from Outside Sources - Information received from outside sources, such as employment history, property reports, or insurance information.

MANAGING YOUR INFORMATION WITH OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this statement or as permitted by law. We describe below how we manage your four different types of Customer Information with other parties such as our affiliates, companies that work for us, and other outside companies.

Sharing among InFirst Bank companies

Affiliate sharing: You may request that information about your creditworthiness such as Application Information, Consumer Report Information, and Information from Outside Sources not be shared among the InFirst Bank companies. However, through the normal course of doing business, we will continue to share Transaction and Experience Information among our companies to service your accounts better and meet your financial needs.

Affiliate marketing: Federal law gives you the right to limit some but not all marketing offers from our family of InFirst Bank companies. Federal law also requires us to give you a Privacy Notice to tell you about your choice to limit marketing from our affiliates. You may limit the InFirst Bank companies, such as the financial advisors affiliate, from marketing their products and services to you if you do not have an account or business relationship with them. These marketing offers are based on your personal information that they receive from us. This information may include your income, account history, and credit score. Your choice to limit marketing offers from the InFirst Bank companies will apply until you tell us to change your choice. The only affiliate to InFirst Bank is a financial services provider:

InFirst Financial Advisors, LLC
949 Philadelphia Street
Indiana, PA 15701

Managing Information with companies that work for us

We may share any of the four types of Customer Information outlined above with companies that work for us. All companies that act on our behalf are contractually obligated to keep the information we provide to them confidential, and use the Customer Information only to provide the services we ask them to perform for you and us. These companies may include financial services providers such as asset management companies, and nonfinancial companies, such as check printers and data processors. These companies might assist us, for example, in fulfilling your service requests and processing your transactions. In addition, we may share any of the four types of Customer Information with financial institutions with which we have joint marketing agreements.

Managing Information in other situations

We may also share any of the four types of Customer Information to credit bureaus and similar organizations when required or permitted by law. For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, recording mortgages in public records, or the sale of your account to another financial institution. We may also share any of the four types of Customer Information outside InFirst Bank if we have your consent, such as when we respond to your service requests.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

CHILDREN'S ONLINE PRIVACY

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. InFirst Bank's website and online services are not directed to children under the age of 13, nor is information knowingly collected from them.