Introduction
At American Heritage National Bank, we respect the privacy of our customers and are committed to treating customer information responsibly. This privacy policy provides guidelines for the collection, use and security of individual customer information.
Collection of Customer Information
We collect nonpublic personal information about you from the following sources:
- Information received from you on applications or other forms such as your name, address, social security number, assets and income.
- Information about your transactions with affiliates, others, or us such as your balance, deposits and payments.
- Information received from a consumer-reporting agency such as your credit worthiness and payment history.
Nonpublic personal information includes information about you that is used to ensure we provide appropriate products and services that meet your financial needs. Nonpublic personal information does not include information that is available from public sources, such as government records.
Restrictions on the Disclosure of Account InformationWe do not disclose any nonpublic personal information about our customers to anyone, unless:
- You request or authorize it.
- The information is provided to help complete a transaction initiated by you (for example, to provide check blanks, your name, address and account number is provided to a vendor).
- It is lawfully permitted or required (subpoena, levy or garnishment).
Important Information about Procedures for Opening New Accounts
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens and account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Protection and Security over Customer Data
We restrict access to personal information about you to employees who are selling or servicing products. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the privacy of your information. Our employees are trained to understand and comply with these information principles. If you have any questions or concerns about our privacy policy, please contact us at:
Long Prairie……………(320) 732-6131 St. Cloud West……………(320) 654-9555
Browerville…………… (320) 594-2215 St. Cloud East…………… (320) 257-5000
Notice regarding Inaccurate Information
As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies. These consumer reports allow us to make credit and other opportunities available to you. If you believe that we have furnished information to a consumer-reporting agency that is inaccurate please notify us at any following address and identify the specific information that is inaccurate.
American Heritage National Bank American Heritage National Bank
24 Second Street South – PO Box 509 502 South Main Street – PO Box 211
Long Prairie, MN 56347 Browerville, MN 56438
(320) 732-6131 (320) 594-2215
American Heritage National Bank American Heritage National Bank
2915 2nd Street South – PO Box 160 525 Hwy 10 South – PO Box 160
St. Cloud, MN 56302 St. Cloud, MN 56302
(320) 654-9555 (320) 257-5000
Federal law requires us to provide the following notice to consumers before any “negative information” may be furnished to a nationwide consumer reporting agency: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected on your credit report.
Internet Privacy
When you visit our website to view any pages, read product information, or use the online tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the purpose of tracking activity on our site. This allows us to better understand how many people use our site including which pages and features are most popular. To evaluate the usefulness of our site, we may gather and arrange data regarding such usage as:
- The name of your Internet Service Provider,
- The website that referred you to us (if any),
- The date and time the pages were accessed, and
- The page(s) you requested.
When you send us an email to comment on something or to ask a question, we will use your email address to reply to you and for a limited time we will store your email address, your message and our response for assurance. We may also do this to meet legal and regulatory requirements. If we collect your email address in this manner, we won’t use it to let you know about our products and services unless you have given us permission. This information is not given or sold to any other organization.
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children and comply with the practices established under the Children’s Online Privacy Protection Act. We will not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
Internet Banking Security
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you. We use state-of-the-art Internet technology, supported by the outside companies we work with to make your banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can help safeguard your information by taking a few simple precautions: Protect your access PIN and customer account numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers or suspicious emails. When banking on the Internet always be sure to use a secure browser and current virus detection and firewall software. Never open emails or attachments from unknown sources.
