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Does FNBT Personal Mobile Banking Track You?

From the App Store privacy label · First National Bank and Trust · checked November 2026

Data used to track you
No
No tracking declared

The label has no “Data Used to Track You” section.

Short answer

No. FNBT Personal Mobile Banking's label has no “Data Used to Track You” section, so the developer states it does not link your data with other companies' data for advertising or sell it to data brokers. It does collect location, user content, contact info, usage data and diagnostics, of which user content is linked to you.

What “tracking” means on an iPhone

Apple defines tracking as linking data from this app with data from other companies' apps, websites or offline sources for targeted advertising or ad measurement, or sharing it with a data broker. It is narrower than “collecting data”: an app can collect a lot without tracking you, and a small app can track you with a single advertising SDK.

Since iOS 14.5, App Tracking Transparency requires every app to ask before it accesses your device's advertising identifier or otherwise tracks you. The App Store label is where the developer declares which of its data is used that way. FNBT Personal Mobile Banking declares none, so it has no reason to show that prompt.

What FNBT Personal Mobile Banking collects instead

No tracking does not mean no collection. FNBT Personal Mobile Banking's label lists 5 data types, and user content is linked to your identity:

  • Location — where your phone is, either precisely (street level) or approximately (city or area) (not linked to you)
  • User Content — messages, photos, videos, audio recordings, documents and support chats you create or upload (linked to you)
  • Contact Info — your name, email address, phone number or postal address (not linked to you)
  • Usage Data — what you tap, open and view inside the app, plus which ads you have seen (not linked to you)
  • Diagnostics — crash logs, launch times, hang rates and energy use (not linked to you)

How to stop FNBT Personal Mobile Banking from tracking you

  1. When FNBT Personal Mobile Banking shows the tracking prompt, tap Ask App Not to Track.
  2. Already said yes? Open Settings › Privacy & Security › Tracking and switch off the toggle next to FNBT Personal Mobile Banking.
  3. To refuse every app in one go, switch off Allow Apps to Request to Track on the same screen. Apps then cannot ask, and are treated as if you declined.
  4. For Apple's own ads in the App Store, News and Stocks, see Settings › Privacy & Security › Apple Advertising and turn off Personalised Ads.
  5. Inside FNBT Personal Mobile Banking, look for an analytics or personalised-ads switch in its own settings; it covers data the iOS switch does not.

FNBT Personal Mobile Banking's full privacy label

App Privacy label Developer-reported · checked November 1, 2026
Used to track you
0types

None declared

Linked to you
1type
Not linked to you
4types

Is FNBT Personal Mobile Banking safe? Every data type explained →

Do other banking apps track you?

17% of the 196 banking apps with a label in our snapshot declare tracking; 3% say they collect nothing at all. Nearby in the list:

AppTracks you?Data types
Seacoast Mobile BankingNo7
Webster Bank Mobile AppNo9
Centris Mobile BankingYes7
Colony Bank Mobile BankingNo9
Credit One Bank MobileNo6
Needham Bank Mobile BankingNo7
CommBankNo9
Absa BankingNo1

Check your settings

Tick what you have done
Tick each step as you do it on your iPhone.

Done. You have applied every control the label points to.

True or false?

  1. Q1FNBT Personal Mobile Banking's privacy label says it uses data to track you.
    Right.
    Not quite.

    False: there is no Data Used to Track You section on FNBT Personal Mobile Banking's label.

  2. Q2Apple tests every app to confirm its privacy label is accurate.
    Right.
    Not quite.

    Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.

  3. Q3FNBT Personal Mobile Banking collects Location.
    Right.
    Not quite.

    True: Location appears on its label, in the Not Linked to You section.

  4. Q4Data “Not Linked to You” is never sent off your iPhone.
    Right.
    Not quite.

    It is collected and sent; the developer says it is de-identified rather than tied to your account or device.

FAQ

How do I stop FNBT Personal Mobile Banking from tracking me?
Settings › Privacy & Security › Tracking. Switch off Allow Apps to Request to Track to refuse every app at once, or switch off the toggle next to this app. When you decline, the app cannot access your device's advertising identifier.
Will FNBT Personal Mobile Banking still work if I decline tracking?
Yes. Apple's App Store rules do not allow apps to withhold features or block you because you declined tracking.
What is the difference between tracking and data linked to me?
Linked data is tied to your identity by FNBT Personal Mobile Banking's developer itself. Tracking goes further: your data is combined with data from other companies' apps and websites for advertising, or passed to data brokers.
Does declining tracking stop all data collection?
No. It stops tracking as Apple defines it. The app can still collect the other data on its label for its own analytics, features and accounts.
Can apps track me without asking?
They are not allowed to. Fingerprinting your device or using other identifiers to get around the prompt breaks App Store rules. If a label declares no tracking but the app asks for permission to track, that is a mismatch worth reporting.

Is FNBT Personal Mobile Banking safe? Full privacy report →How to lock FNBT Personal Mobile Banking on iPhone →Who tracks you? A–Z →All finance apps →

Facts on this page come from FNBT Personal Mobile Banking on the App Store, as reported by the developer. Checked November 2026. How we collect data · Report a correction