What does Crossroads 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 Account transactions
- Checking account information and Credit history
- Overdraft history and Transaction history
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 Crossroads Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
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.
Does Crossroads Bank share? Yes
Can you limit this sharing? No
For our marketing purposes –
to offer our products and services to you
Does Crossroads Bank share? Yes
Can you limit this sharing? No
For joint marketing with other financial companies
Does Crossroads Bank share? No
Can you limit this sharing? We don’t share
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Does Crossroads Bank share? No
Can you limit this sharing? We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness
Does Crossroads Bank share? No
Can you limit this sharing? We don’t share
For our affiliates to market to you
Does Crossroads Bank share? No
Can you limit this sharing? We don’t share
For non-affiliates to market to you
Does Crossroads Bank share? No
Can you limit this sharing? We don’t share
Questions?
Call 217-347-7751 or go to www.crossroadsbank.com
What we do
How does Crossroads 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 Crossroads Bank collect my personal information?
We collect your personal information, for example, when you
- apply for a loan or give us your contact information
- give us your income information or open an account
- give us your employment history
We also collect your personal information from others, such as credit bureaus, affiliates, or 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 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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
- Crossroads Bank does not share.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Crossroads 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.
- Crossroads Bank does not jointly market.
Other important information
Online Banking