Privacy Policy

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Privacy Policy

FACTS What does The Heritage State Bank do with 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 that we do.
What? The types of personal information we collect and share depends on the product or service you have with us. This information can include:
  • Social Security number and account transactions
  • Payment history and transaction history
  • Account balances and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial institutions 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 Heritage State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal info Does The Heritage State Bank 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 creditworthiness
No We Don't Share
For nonaffiliates to market to you: No We Don't Share
Contact Us Call 618-943-1038 or go to www.heritagesb.com
Who we are
Who is providing this notice? The Heritage State Bank
What we do
How does The Heritage State Bank 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 Heritage State Bank collect my personal information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Show your driver's license or give us your contact information
  • Make a wire transfer
We also collect your personal information from 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 credit worthiness
  • 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 non financial companies.
  • The Heritage State Bank does not share with our affiliates.
Non Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • The Heritage State Bank does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non affiliated financial companies that together market financial products or services to you.
  • The Heritage State Bank does not jointly market.