We are a locally owned and operated financial institution that offers a wide variety of products and services to our customers. We hope you will find our latest products, Internet Banking and Bill Paying services ways to make your life a little easier when it comes to banking.
Privacy
| 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 Income
- Account Balances and Payment History
- Credit History and Credit Scores
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 customer's personal information to run their everyday business. In the section below, we list reasons
financial companies can share their customer's personal information; the reasons American Bank & Trust chooses to share; and whether you can limit this sharing.
|
| For our everyday business purposes - such as to process 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 |
| Questions? |
Call 931-823-2265 or go to www.americanbt.com |
| Who is providing this notice? |
American Bank & Trust of the Cumberlands |
| How does American 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 Bank & Trust collect my personal information? |
We collect your personal information, for example, when you
- Open an account or deposity money
- Pay your bills or apply for a loan
- Use your debit card
We also collect your personal information from others, such as credit bureaus 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
|
| Affiliates |
Companies related by common ownership or control. They can be financial or nonfinancial companies.
- American Bank & Trust does not share with our affiliates.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial or nonfinancial companies.
- American Bank & Trust does not share with nonaffiliates so they can market to you.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- American Bank & Trust doesn't jointly market.
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| Other important information |
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