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Privacy Policy 

Rev. 04/2023




Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Income
  • Account balances
  • Payment history
  • Credit history
  • Credit scores

When you are no longer our customer, we continue to share your information as described in this notice.


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Friend Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Friend Bank share?

Can you limit this sharing?

For our everyday business purposes- 
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes-
to offer our products and services to you


We don't share

For joint marketing with other financial companies


We don't share

For our affiliates’ everyday business purposes-
information about your transactions and experiences


We don't share

For our affiliates’ everyday business purposes-
information about your creditworthiness


We don't share

For nonaffiliates to market to you


We don't share


Call 1-800-435-2074

What we do

How does Friend Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Friend Bank
collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Use your credit or debit card 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.



Companies related by common ownership or control. They can be financial and non-financial companies.

  • Friend Bank does not share with our affiliates.


Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Friend Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Friend Bank doesn't jointly market.

Security Statement

Your transactions are absolutely safe. Friend Bank works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free online banking. You can be completely confident of the following security measures.

Secure Communications

The data exchanged between your device and our website is encrypted. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it, the connection will be severed in order to guard against any tampering. Popular web browsers, such as Microsoft Edge, Google Chrome, and Apple Safari, have the SSL security feature included. 

Secure Environment

Our computer networks do not connect directly to the internet. Our internet connections are protected using virtual private networks (VPN) and next-generation firewalls (NGFW). Using this technology ensures all network traffic is encrypted, private, and managed with strict security rules to block dangerous traffic. You can feel secure knowing that our network security protects your personal information from unauthorized access.

Secure Login

User IDs and Passwords are safely processed and stored in Friend Bank's secure online database. This way, your online banking credentials cannot be accessed or downloaded by anyone on the internet. Our system checks for invalid logins and automatically disallows a user after too many invalid attempts. This protects you by prohibiting hackers from gaining access to your account.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you create your online banking password, be sure to keep it a secret. Memorize it. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

Multifactor Authentication

Recently an additional layer of security and fraud protection has been added to help prevent identity theft. Now when you sign up for online banking you will be required to create a password and establish a second factor of authentication. This helps ensure that your login is authentic.

Phishing Scams

Phishing is an impersonation technique used by hackers with the aim of stealing sensitive information through the use of email or text message. Under no circumstances will a representative at Friend Bank ask you for your login details by email or text message. If you receive a suspicious email or text message asking you to provide sensitive information, ignore it. Do not respond, open attachments, or click any links. If you believe your online banking account has been compromised, please contact us immediately.


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.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit the FDIC website.

Excessive or Luxury Expenditures Policy

For more info, click here.

Equal Opportunity

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to:

Language Assistance Programs

ATTENTION: If you speak Spanish, free language assistance services are available to you. Appropriate auxiliary aids and services to provide information in accessible formats are also available free of charge. Email

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. También están disponibles de forma gratuita ayuda y servicios auxiliares apropiados para proporcionar información en formatos accesibles. Correo electrónico

For Language Assistance Plan, click here.


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Have Questions?

Our Friend bankers are ready to assist you with all your personal banking needs. 

Call us today!

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