Privacy Policy

This privacy policy applies to new, existing and former customers of Legacy National Bank and outlines important information of how Legacy National Bank collects, uses and safeguards customer information.  

A Privacy Notice is provided to customers at account opening.  Click here for a copy of the Privacy Notice.  An updated Privacy Notice will be provided to all customers if any changes are made to the sharing of customer information.

Information We Collect

 We collect the following types of non-public information about our customers:

• Income, marital status, age, driver’s license and social security numbers and other information from applications and other forms you complete;
• Loan payment history, account balances and other information about transactions you conduct with us, our affiliated organizations and others;
• Credit scores or credit history from credit reporting agencies and other information such as demographic information and insurance claims information we receive from third parties.

All of this information is termed “Customer Information”. 

Privacy for Internet Users

Our commitment to safeguard privacy also extends to the Internet.  Personal and unique identifying information is not collected unless it is voluntarily and knowingly provided to the Bank, such as when an email is sent or an application is completed online.  If this information is provided, it is only used internally and in furtherance of the purpose for which it was provided.

Our Internet financial services provider, Fiserv, may collect general information on our website simply to help the Bank provide banking and other financial services online.  They collect certain information for security and statistical purposes. The information collected for these purposes may include: 

• The Internet address (referral site) which brought you to our web site; 
• The date and time you access our site; 
• The name and version of your web browser; 
• The Internet service provider you used when you accessed our site; 
• Your Internet Protocol (IP) address; 
• The pages visited in our website.

Fiserv may use cookies to collect this general information on the website.  They also use cookies for security purposes in our Internet Banking service.

Internet Protocol (IP) Addresses 

When collecting information for Legacy National Bank, Fiserv does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.

Fiserv may use IP addresses to audit the use of the Bank’s website.  They can and will use IP addresses to identify a user when necessary for security purposes.

Internet Banking Cookies 

Fiserv uses encrypted cookies that do not pass to a computer’s hard drive.  Instead, the cookie is stored in the computer’s memory, identifying the computer only while you are logged on.  Only Fiserv can read the information in these cookies.  This Internet banking cookie allows Fiserv to process multiple transactions during a session without a pass code to be reentered for each individual transaction.  The cookies for Internet banking simply provide another level of security for our Internet banking product.  A new cookie is used for each session.  That way, no one can use the prior cookie to access an account.  For additional security, the cookie expires after 15 minutes of inactivity.  It must then be renewed by reentering a pass code.  Fiserv does not (and cannot) use this cookie to collect or obtain new personal information.  

Mobile Banking Users

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance.  For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data.  This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).

Accessing Your Information

Legacy National Bank maintains safeguards that comply with government regulations to safeguard Customer Information.  Employee’s access to Customer Information is limited to an as needed basis.

Email Policies

Email notices for certain disclosures may be provided if a customer chooses to accept electronic disclosures or statements.  The bank may choose to provide general information to customers using email addresses on file. Fiserv may send these emails as an agent on the Bank’s behalf.

Restrictions on Sharing Information with Outside Companies

Legacy National Bank does not sell Customer Information to outside companies to use for their own marketing purposes. 

Customer Information may be provided to outside organizations which provide services (such as data processing, printing or mailing) or provide products or services requested by a customer (such as brokerage transactions, check printing or underwriting insurance applications). Customer Information may be provided to companies that perform marketing services for us or to financial institutions with which we have joint marketing agreements.  Any and all of these companies are contractually obligated to keep Customer Information confidential.  Customer Information may also be shared with others when it is required or permitted by law, such as to credit bureaus or to comply with law enforcement subpoenas and/or summons.

Information Shared Between Our Affiliated Organizations

Legacy National Bank may share customer information with affiliates.  Customers may choose to opt-out of information sharing by contacting the Bank at (479)717-1900 or (877)717-1900.

Currently, Legacy National Bank does not share customer information with affiliates or other companies for marketing purposes.  

Credit Bureau Disputes

If a customer disagrees with any of the information reported regarding account performance and would like to submit a dispute to Legacy National Bank or request Legacy National Bank to review the information reported to the credit bureau(s) regarding payments, payment history, or account status, a dispute may be submitted to the following address with the customer’s name, specific information on the dispute and copies of any documentation that could help in the investigation. 

Credit Bureau Disputes

Legacy National Bank

P.O. Box 6490

Springdale, AR  72766-6490