Community Reinvestment Act (CRA)

CRA Public File (pdf)

In accordance with the Community Reinvestment Act (CRA – Reg BB), First Chatham Bank is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. The information is current as of April 1 of each year.

FFIEC Customer Education

Business Guidance (pdf) | Consumer Guidance (pdf)

The Federal Financial Institutions Examination Council (FFIEC) has issued new supervisory guidance, which is designed to help make online transactions more secure. This guidance is in response to increased online threats. Scams and hacking techniques are becoming more sophisticated and are continually being developed. The groups responsible for these scams and attacks are becoming a major force in expanding online fraud and theft.

With this new guidance, you may begin to see new security features on websites that you visit. All of our online products have built-in security features, which are enhanced based on changing threats.

In addition, with the new guidance you will see more information on how you, a user of online services, can take action to keep your identity and financial information secure. The links above will provide more information and guidance when using these online services.

Our Commitment To You...

First Chatham Bank is commited to protecting your personal information. The Bank will NEVER request personal information by phone, email, or text messaging including account numbers, personal identification information, passwords, or any other confidential customer information. Our top priority is to safeguard your confidential information and we work diligently to do so.

What We Do...

• Policies and procedures are in place which assists in detecting fraud
• Anti-virus software, firewalls, and intrustion detection devices are all in place to assist in detecting fraudulent activity
• Annual employee training is held to keep employees up-to-date on security, suspicious activity and fraud
• Accounts are monitored for different types of fraud

What You Can Do...

• Protect your personal information (i.e. name, social security number, account number(s), etc.)
• Do not share your personal identifying information with others
• Monitor your statements and report any unauthorized activity as soon as possible
• Never respond to e-mails or text messages that ask for your personal or account information, even if they appear legitimate
• Always be cautious of any message that asks for your personal information or that refers you to a website that asks for your personal information
• Keep your computer protected with anti-virus/anti-malware software, and keep that software up-to-date
• Make sure to use secure websites when making purchases or selling over the internet
• If your computer becomes infected with a virus, or you suspect it has been hacked into, take it to a professional to have it cleaned