Privacy Notice to Customers

New Buffalo Savings Bank works to provide you with financial products and services to meet your financial goals.  In providing these products and services, we are very committed to protecting our customers’ privacy.

We are required by law to give you this privacy notice.  It describes our policies and practices that protect your privacy and enable us to share information to provide you with competitive financial products and services.  If you have any questions after reading it, please contact us at 1-269-469-2222.

Contacts for Information and Privacy Concerns

To correct any inaccurate or outdated information or to notify the Bank of possible unauthorized access to, or use of, your personal information, or for questions regarding the Bank’s privacy statement or procedures, please contact a Customer Service Representative at (269) 469-2222, or e-mail us at operations@newbuffalosavings.com  or by writing to Customer Service Representative 45 N. Whittaker St., New Buffalo, MI 49117.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us.

Information We Collect About You

We collect information about you from the following sources:

•           Information we receive from you on applications and other forms;

•           Information obtained when verifying the information you provide on an application or other form (this may be obtained from, but is not restricted to, your current or past employers, or from other institutions where you have conducted financial transactions);

•           Information about your transactions with us, or others including those companies that work closely with us to provide you with diverse financial products and services;

•           Information we receive from a credit reporting agency; and

•           Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our customers.

Disclosure of Information to Parties that Provide Services to Us

We may disclose information we collect, as provided by law and as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements, so that we may provide customers competitive products and services.  We may also disclose nonpublic personal information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our Bank, follow your instructions as you authorize or protect the security of our financial records.

Disclosure of Information about Former Customers

If you decide to terminate your relationship with our Bank, we will not share information we have collected about you, except as may be required by law and will remove your information from our files within a reasonable period of time.

How to Opt Out or Stop Certain Disclosures about You

At this time, we do not intend to disclose nonpublic personal information other than as noted above.  If in the future, the Bank intends to disclose nonpublic information other than the above, the Bank will provide an additional notice, and provide an opportunity to opt out if applicable.  The opt out does not apply to disclosures that are legally permitted or required or to disclosures the Bank makes to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with the Bank.

Fair Credit Reporting Act Disclosure

Our affiliates are permitted by law to share with one another any information about their transactions or experiences with you.  Information taken from credit reports may also be exchanged.  However, New Buffalo Savings Bank does not intend to share credit information with any of our affiliates. 

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Customers Can Do to Help

Our Bank is committed to protecting the privacy of its customers.  You can help by following these simple guidelines:

•           Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords.  Never keep your PIN with your debit or credit card as it can provide access to your accounts if your card is lost or stolen.

•           Use caution when disclosing your account numbers, social security numbers, etc., to other persons.  If someone calls you, explains the call is on behalf of the Bank and asks for your account number, you should beware.  Official Bank staff will have access to your information and will not need to ask for it.

•           Keep your information current.  It is important that we have current information on how to reach you.  If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.  If your street address, email address or phone number changes, please let us know.

•           Let us know if you have questions.  Please do not hesitate to call us - we are here to serve you.