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California First National Bank is an internet-only bank with no branches.

California First National Bank is an internet-only bank with no branches.

California First National Bank is an internet-only bank with no branches.


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Security & Privacy

This privacy notice applies to consumer customers of California First National Bank.

Privacy Notice

Your Security

Your security is very important to us. When you access online banking, California First National Bank (otherwise known as CalFirst Bank or the Bank for the purpose of this Security Information notice) understands your security is the highest priority and employs sophisticated security methods. Personal information you send to the Bank, such as your user ID and Password, are conducted in a secure (encrypted) environment to protect your privacy. This encrypted technology secretly encodes information that is sent over the Internet between your computer and the Bank to help ensure that the information remains confidential. After you've submitted your information online, we recommend that you end your browser session before leaving your computer. This precaution is intended to deter anyone other than yourself and the Bank from accessing your information.

Information sent by e-mail is at risk of loss of confidentiality if the information is transmitted over the Internet. We do not recommend sending confidential information such as account numbers or Social Security numbers by e-mail. You can contact CalFirst Bank directly at 1-800-735-2465.

How You Protect Your Personal Information

While anyone can become a victim of fraud or identity theft, many ways exist to mitigate your risk. CalFirst Bank provides these basic security tips to help you secure your personal information.

Keep Your Privacy

When you handle your pre-printed checks or financial documents, do not write your personal information (e.g. driver's license, Social Security, or ATM Passwords) on it to protect your privacy. Also never give your personal information on the Internet, on the phone, or through the mail without first making sure who you are dealing with or if you have initiated the contact. Avoid using easily available information (e.g. birthday, social security number, or phone number) when you select your password for Internet or PIN (for ATM transactions). Shred all unnecessary or unwanted financial statements which include your personal information.

Safeguard Accounts

Store your new and cancelled checks in a secure place. Check your bank statements and monitor card or account transactions regularly via online or regular bank statements. If you detect any suspicious activities in your account or card, report the incident to your financial institution immediately. If the incident involves CalFirst Bank, please contact us immediately at 1-800-735-2465.

Protect Your Mail

If you notice a disruption with your mail such as bank statement or credit card bills, this may be a sign that your mail is being intercepted. Contact your financial institution or credit card company. For ordinary mail care, try to use a secure mailbox and avoid leaving outgoing mail in an unsecured mailbox. Ensure prompt collection of incoming mail.

ATM Safety

Always keep your eyes open on your card and your surroundings for ATM transaction safety. Try to observe any suspicious behaviors or people watching or chasing you when you approach an ATM. If you are aware of any suspicious activity, please report immediately to the local police department. Many people can fall prey to fraud and identity theft, or domestic violence during ATM transactions. Do not share your PIN with anyone or let others see the PIN you are entering at ATM stations. Even when you use your card at a merchant, do not let anyone walk off with your card even for a few seconds. Also, if you find any skimming devices or something looks suspicious on ATMs, find another ATM. However, if a machine keeps your card, call us immediately at 1-800-735-2465.

Protect Your Passwords

You are required to change your password upon your initial login to our Online Banking Service. You determine what password you will use and your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. In order to protect your PIN, memorize all PINs, such as your ATM or debit card PIN and online passwords. Do not leave your PIN or Password in unsecured places. Upon three unsuccessful attempts to use your password, your access to service will be revoked. To re-establish your authorization to use the service, you must contact us to verify your assigned login I.D. and obtain a new temporary password. Upon re-entry to service, you will be asked to establish a new password to protect your personal information.

We recommend that you create a password that utilizes both upper- and lowercase alphanumeric characters for purposes of security. Because your password can be used to obtain information and access money in your accounts, you should treat your password with the same degree of care and secrecy that you use to protect your PIN or other sensitive personal financial data. You agree not to give your password, or make it available, to any person not authorized to access your accounts.

Back Up Important Files

No system is completely secure. If you have important files stored on your computer, copy them onto a removable disk and store them in a safe place.

Identity Theft

Identity theft is a serious and growing problem. Defend yourself as soon as you suspect a problem. If someone has fraudulently used your identification, or you find any suspicious activities in your CalFirst Bank account, report the incident as quickly as possible to us. In addition, if someone has tried to establish credit with your information, you should report the case promptly to the credit bureaus listed below and ask that a fraud report be placed on your file. You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact the credit bureaus to obtain a copy of your credit report. There is no foolproof plan to protect yourself against identity theft but if you follow the security tips we provided you can mitigate your chances of becoming a victim. Always keep in mind to deter, detect and defend against Identity theft, and if you find any suspicious activities on your account, or if your ATM card is lost or stolen, please contact us at 1-800-735-2465. 

Protecting Our Children

CalFirst does not knowingly market its products or services to children, nor do we knowingly solicit personal information from children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Helpful Resources

Identity Theft Resources

Federal Trade Commission http://www.ftc.gov/idtheft/

1-877-IDTHEFT (1-877-438-4338)

Credit Bureaus 

Equifax http://www.equifax.com/ 
To report fraud, call 888-766-0008 and write P.O. Box 740241, Atlanta, GA 30374-0241.

Experian http://www.experian.com/ 
To report fraud, call 1-888-EXPERIAN (1-888-397-3742) and write P.O. Box 9532, Allen, TX 75013.

TransUnion http://www.transunion.com/
To report fraud, call 1-800-680-7289 and e-mail fvad@transunion.com or write Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19022-2000

Opt-Out Organizations

Credit Cards To opt out of receiving pre-screened credit card offers, please call 1-888-5-OPTOUT (1-888-567-8688)

Federal "Do Not Call" Registry: http://www.ftc.gov/donotcall

Department of Motor Vehicles: Check with your state DMV to learn more about their policies on sharing personal information.

Additional Resources

Social Security Number Theft and Misuse

Please note that this contact information is being provided as a service to you. CalFirst Bank is not affiliated with any of these services and cannot guarantee their effectiveness.

When you click these links, you will be leaving the CalFirst.com website. Please refer to the "Your Online Privacy" of these outside websites. CalFirst Bank is not responsible for nor guarantees the quality, delivery or timeliness of goods or services provided by these outside websites.

 If you have any questions in regard to this notice, please contact us:

California First National Bank
service@CalFirst.com
1-800-735-2465