Our Commitment To Your PRIVACY
Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services. The provisions of this notice apply to former customers as well as current customers.

Protecting Your Information
Frontier Community Bank and its affiliates do not sell or otherwise share any current or previous customer information with marketers or others outside the Frontier Community Bank family except as permitted by law or as described in the following situations.

How to Tell us Not to Share Information Within Our Corporate Family
If you do not want Frontier Community Bank to share your customer information within our corporate family, you may direct us not to share by asking to “opt-out.” To opt-out of your information being shared within the Frontier Community Bank corporate family, please contact any branch office or call (540) 932-9100 during business hours (you may call collect). If you have previously directed us not to share information, you do not need to opt-out again. We will honor your request to opt-out until you ask us to change it. An opt-out by one accountholder will apply to all of the joint account holders with the respect to that joint account.

Why and How We Collect Personal Information
We collect personal information about you for business purposes, such as evaluating your financial needs for a loan request, informing you about deposit products and services, trust services, brokerage accounts, insurance products and most of all to provide the very best customer service. The personal information we collect about you includes:

  1. Information you provide to us on applications and other forms (such as your name, address, social security number, occupation, assets and income).
  2. Information about your transactions with us, our affiliates or others (such as your account balance, payment history, parties to transactions, etc.)
  3. Information we receive from consumer reporting agencies (such as your credit history and creditworthiness) and other entities not affiliated with Frontier Community Bank,
  4. Information we receive about you from third parties to assist us in assessing your application for any Frontier Community Bank products or for employment.

Information That Is Shared with Others
We may share information as necessary to enforce or facilitate a transaction or in order to obtain an insurance quote for you. Further, we may share information as legally required or permitted by law as in response to a subpoena, garnishment or tax levy or to a credit bureau. In accordance with standard banking industry practices and the Fair Credit Reporting Act, we share customer information with reputable credit reporting agencies. We will share information with companies that perform services for us and on our behalf (such as check printing, data processing, brokerage services and insurance companies whose products we offer). We require these companies to maintain the confidentiality of the information we share with them.

Employee Access
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you, All our employees are governed by a Code of Ethics, which states in detail the responsibilities for protecting your financial and personal information. We maintain physical, electronic, and procedural safeguards to guard your nonpublic information.

Your Privacy on Our Website
We are equally committed to protecting your privacy on our website, Please refer to the customer information privacy section on our website at Our systems use technologies such as firewalls and encryption (scrambling of information by the sender and unscrambling by authorized recipients) to protect your information from others.

How You Can Find More Information on Your Privacy at Frontier Community Bank
If our Privacy Policy changes in the future, we shall send you a revised statement of policy, If you have questions, concerns, or comments about our privacy practiced or the way your information is maintained and used, we would like to hear from you. Please email us at: or stop by your local Frontier Community Bank branch or write to us:

Frontier Community Bank
400 Lew Dewitt Blvd
Waynesboro, VA  22980
Phone (540) 932-9100 (Can call collect during business hours)

Credit Bureau Opt-Outs
If you wish to limit the number of pre-approved credit solicitations that you receive, you may contact the National Opt-Out Center to have your name removed for two years from all of the major credit bureaus’ mailing lists. Call the National Opt-Out Center toll-free at 1-888-50PTOUT 1567-8688).

Government Information on Privacy and Identity Theft
For other valuable consumer information, including information on protecting yourself from identity theft, visit, a website sponsored by the U.S. Government.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s} to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies} should be sent to us at the following address: Frontier Community Bank, 400 Lew Dewitt Blvd, Waynesboro, VA 22980.