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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 help to protect against fraud while serving customer needs for new, better and less costly financial products and services. The following serves as 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 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.
CoreFirst Bank & Trust
3035 SW Topeka Blvd.
Topeka, KS 66611
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: 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.
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 used or disclosure of customer information. Customer information is accessed only by employees who need it to conduct your financial affairs.
Electronic Funds Transfers - Your Rights and Responsibilities
Indicated below are types of Electronic Fund Transfers which may apply to your account. Please read this disclosure carefully because it defines your rights and obligations for the transactions listed. You should keep this notice for future reference.
•Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or bills.
•Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, notify us as soon as possible, at the address or telephone number listed on the back. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Please include the following
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there is an error or why you need more information.
3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine if an error occurred within 10 business days after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount in question, giving you use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
YOUR BILLING RIGHTS
This notice contains information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Us In Case Of Errors Or Questions About Your Bill
If you think your bill is wrong, or if you need more information about a transaction on your bill, inform us by email or write us on a separate sheet of paper by using the contact information at the end of this document. Write us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. Please give us the following information in your correspondence:
1. Your name and account number.
2. The dollar amount of the suspected error.
3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.
If you have authorized us to pay your line of credit or credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us 3 business days before the automatic payment is scheduled to occur.
Your Rights and Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within 10 days telling us you still refuse to pay, we must tell anyone we reported you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We are obligated to tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.
Special Rule for Credit Card Purchases
If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right:
(a) You must have made the purchase in your home state, or, within 100 miles of your current address; and
(b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.