Privacy Statement

Rev. September 2012

What happens to your personal information?

WHY
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing.   Federal law also requires us to tell you how we collect, share, and  protect your personal information. Please read this notice carefully to understand what we do.

WHAT
The  types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  •   Social Security Number and Income
  •   Account Balances and Account Transactions
  •   Credit History and Transaction History

When  you are no longer our customer, we continue to share your information as  described in this notice.

HOW
All  financial companies need to share customers’ personal information to run their everyday business. In the  section below, we list the reasons financial companies can share their customers’ personal information; the reasons The Family of Banks chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The Family of Banks share?

Can you limit this sharing? 

For our everyday business purposes –
such as to process your transactions, maintain  your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes  –
to offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes –
information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes –
information about your credit worthiness

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

What We Do

How does The Family of Banks protect my personal information?

To  protect your personal information from unauthorized access and use, we use   security measures that comply with federal law.  These measures include computer safeguards   and secured files and buildings.

How does The Family of Banks collect my personal information?
We   collect your personal information, for example when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your debit card

We  also collect your personal information from others, such as credit bureaus,  affiliates, or other companies.

Why can’t I limit all sharing?
Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes
  • information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State  laws and individual companies may give you additional rights to limit  sharing.

Definitions

Affiliates
Companies  related by common ownership or control. They can be financial and nonfinancial companies.

  • The Family of Banks  does not share with our affiliates.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non affiliates we share with can include ATM/Debit Card processors and secondary market mortgage companies.

Joint Marketing
A  formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • The Family of Banks doesn’t jointly market.

Questions?

Please call us at 406.273.2400