Facts
WHAT DOES American Community Bank & Trust 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 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 credit history
- Account balances and transaction history
- Payment history and income
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 American Community Bank & Trust chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does American Community Bank & Trust 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
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes- information about your transactions and experiences
Yes
No
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
What we do
How does American Community Bank & Trust 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 American Community Bank & Trust collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- Use your debit card or apply for a loan
- Make deposits or withdrawals from your account
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 non-financial companies.
Our affiliates include companies with an American Community name, such as American Community Wealth Management, LLC and American Community Financial, Inc.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
American Community Bank & Trust does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners may include financial and non-financial service providers.