Security
EssentialsCustomer Financial Privacy Notice
CoreFirst Bank & Trust has a long history of safeguarding our customers’ private financial information. We are committed to upholding that tradition. We want you to understand what information we collect and how we use it. Our guidelines do protect the privacy of our customers and also help to protect against fraud while serving customer needs for new, better and less costly financial products and services. The following serves as a standard for all CoreFirst Bank & Trust employees for collection, use, retention and security of nonpublic personal information.
Information We Collect
We may collect "nonpublic personal information" about you from the following sources:
•Information we receive from you on applications or other loan and account forms such as your name, address, social security number, assets and income
•Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit card usage
•Information we receive from third parties such as credit bureaus, regarding information such as your credit worthiness and your payment history
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.
Information We Disclose
We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership ("affiliates"). We do not share non-experience or non-transactional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates.
We are permitted under the law to disclose nonpublic personal information about you to "nonaffiliated third parties" in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policy and practices as described in this notice.
Security Procedures
We take steps to safeguard customer information. We restrict access to your personal and account information to those of our 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 standards to guard your nonpublic personal information.
Marketing Services and Joint Marketing Arrangements
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.
Questions and Answers
CoreFirst Bank & Trust is committed to protecting your financial privacy. We understand that you may have some questions about how and why CoreFirst Bank & Trust collects, uses and protects information. Some frequently asked questions are listed below:
Q: Why am I getting so many notices?
A: They are required by a new federal law mandating that financial institutions provide information about their privacy policies and practices by July 1, 2001. You are getting notices because you have accounts at a variety of other banks or you have a variety of accounts at CoreFirst. This law affects all services you obtain from any financial institution.
Q: Does CoreFirst Bank & Trust sell or trade my information to telemarketers?
A: No. CoreFirst Bank & Trust has not and will not sell information to outside companies who offer non-financial goods and services.
Q: Are there any outside companies with whom you share information?
A: Yes, but just for business purposes. We use outside vendors to help us maintain your account by doing such things as printing checks, processing account transactions, providing technological assistance and helping us offer products and services tailored to fit your financial needs. By using outside vendors, we can keep our costs down and operate more efficiently.
Q: Who has access to my financial information?
A: We have strict internal policies against unauthorized use or disclosure of customer information. Customer information is accessed only by employees who need it to conduct your financial affairs.
Privacy Policy
Welcome to the CoreFirst Bank & Trust website. If you have any questions about your rights as a user of this service, you can reach the site administrator by email at CoreFirst@cbtks.com
The CoreFirst Bank & Trust website does not collect personal information about users except when specifically and knowingly provided by such users. Once you have provided personal identifying information, it will only be used for the purposes of managing the CoreFirst Bank & Trust web site, or for such other purposes as described at the point of data collection. Such information will not be transferred to other parties unless otherwise stated at the point of data collection.
Website users should be aware that when they voluntarily disclose personal information, either through registering, by posting a message or completing an application, that information can be collected and used by others and may result in unsolicited messages from third parties.
CoreFirst Bank & Trust is committed to protecting user privacy and the CoreFirst Bank & Trust web site is maintained consistent with the Banking Industry Privacy Principles for U.S. Financial Institutions.
Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors such as:
•Date and time our site was accessed
•IP address (A numeric address given to servers connected to
the Internet)
•Web browser used
•City, state, and country
The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors may elect to provide us with personal information via E-mail, online registration forms or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.
Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Pursuant to the Children's Online Privacy Protection Act, this website was not created or intended to be used by children.
Important Information About Opening a New Account
The USA Patriot Act was signed into law to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.
We proudly support all efforts to protect and maintain the security of our customers and our country.