We take your privacy seriously!!

• Our bank respects your privacy. Through our Web site, we strive to provide valuable information to you about how we may serve you.  Whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.

• Your privacy is important to us.  You provide us with important personal information which helps us give you better service and complete your transactions more effectively. We realize that along with gathering information comes responsibility.  Federal legislation requires us to inform you of our privacy policies for using and safeguarding your information. Protecting your right to privacy has always been an important part of our relationship with you. The following privacy policy outlines the principles we follow when collecting, maintaining, using and safeguarding information about your relationship with us. Please read the following information carefully.

Information we collect

• We collect nonpublic personal information about you from the following sources:
  • Information we receive from you on applications and other forms, such as your name, address, social security number, assets, and income;
  • Information about your transactions with us or others, such as your account balance and payment history; and
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

  "Nonpublic personal information" is information about you that is not publicly available. We may obtain this information directly from you or from others in connection with providing a financial product or service to you. This includes information regarding your account balance,  payment record, and overdraft history.

Information we may share with non-affiliated third parties

• We may disclose the information we collect, described above, as follows:
  • To companies that perform services, such as transaction processing and check printing on our behalf;
  • To allow us to follow your instructions relating to your accounts; and
  • To other financial institutions, such as insurance companies, with whom we  have joint marketing agreements to offer you additional products.

• We do not disclose any nonpublic personal information about you to any other non-affiliated third parties, except as permitted or required by law.

• If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

How we protect your information

• We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

• Our web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

• Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie which is then used to determine whether a user is a first time visitor or return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.