Privacy Policy

First National Bank and Trust  
Offices in Barron & Rice Lake
August, 2022

At First National Bank and Trust, the basis of each customer relationship, many of which span generations, is trust.  You have chosen to do business with First National Bank and Trust, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.  We believe that your privacy should not be compromised.  At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.  We believe we can do both through the privacy policy outlined below.

We recognize your right to privacy at First National Bank and Trust; we recognize that you have a right to expect your personal financial information to remain private and secure.  We will maintain standards to ensure that your information is private and secure at all times.

Information about consumers is accumulated from a variety of sources.  Customers provide some information to First National Bank and Trust themselves.  Other data is developed by First National Bank and Trust as a function of providing a product or service to a customer.  Still other information is obtained from outside sources.  We will limit the use and collection of information about our customers to that, which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers.  This means that we will use information to help us identify and mitigate potential risks or loss to First National Bank and Trust.  We will use information to help identify additional products or services which we believe customers might want to know about.  We will see this information only in accordance with the principles set out in this Policy.

We continually strive to maintain complete and accurate information about you and your accounts.  Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us.  We will investigate your concerns and correct any inaccuracies.

Each First National Bank and Trust employee and director is required to follow our Company’s “Code of Ethics,” which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

First National Bank and Trust is committed to the security of your financial and personal information.  All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties.  We maintain and grant access to customer information only in accordance with our internal security standards.

We do not reveal specific information about your accounts or other personally identifiable data to parties for their independent use unless: 1) your request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required.  We do not provide account or personal information to non-First National Bank and Trust companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

First National Bank and Trust recognizes and respects the privacy expectations of our customers.  We want our customers to understand our commitment to privacy in our use of customer information.  As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers.  Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call us at (715) 537-7659 or e-mail us at

HIPAA Policy:

At this time, First National Bank and Trust is not required to have a HIPAA Policy

Board Certification

This is to certify that the preceding policy was adopted at the Board of Director’s meeting, which was duly noticed, legally constituted and held on the 23th day of August, 2012. Certified this 23rd day of August, 2012 by:
The Secretary of the Board.                                                             
                                                                                _____________________________________ Date: ______________