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Privacy Policy - Rev. 08/2016

Please click here for a printable version of our Privacy Notice.

FACTS

WHAT DOES WEST CENTRAL 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 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 transaction history
  • Account balances and overdraft history
  • Payment history 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 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 West Central Bank chooses to share; and whether you can limit this sharing.

 

 

 

Reasons we can share your personal information

 

Does West Central 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

Yes

No

For our affiliates’ everyday business purposes—

information about your creditworthiness

No

We don’t share

For non-affiliates to market to you

No

We don’t share

 

Questions?       Call 217-476-3325 or go to www.westcentralbank.com

 

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Who we are

Who is providing this notice?

West Central Bank

What we do

How does West Central 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.
We limit access to information to those employees for whom access is appropriate.

How does West Central Bank

collect my personal information?

We collect your personal information, for example, when you

  • Open an account or show your government-issued ID
  • Apply for a loan or show your driver’s license
  • Give us your contact information

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

Why cant 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.

 

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.

  • Our affiliates include financial companies such as:

West Central Insurance and West Central Financial Services

 

Non-affiliates

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

  • West Central 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.

  • West Central Bank doesn’t jointly market.

Other important information

  For Illinois Customers: We will not share personal information with non-affiliates without your authorization.