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Rev. 08/2013

FACTS

WHAT DOES CENTERBANK
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 balances
  • income and assets
  • payment history and credit 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 CenterBank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does CenterBank share? Can you limit this sharing?
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
Yes No
For our marketing purposes—
to offer our products and services to you
No We do not share
For joint marketing with other financial companies No We do not share
For our affiliates' everyday business purposes—
information about your transactions and experiences
No We do not share
For our affiliates' everyday business purposes—
information about your creditworthiness
No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share

Questions?

Call 513-965-8505 or go to www.centerbank4me.com
What we do
How does CenterBank protect my personal information? To protect your personal information from unauthorized access and use, we use secruity measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CenterBank collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or deposit money
  • open an account or provide account information
  • give us your contact information

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 nonaffiliates 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 nonfinancial companies.

  • CenterBank does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • CenterBank 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. 

  • CenterBank does not jointly market.
Other important information
 

Be safe online.

Take a few minutes to check out these helpful tools. Below are links to government websites and resources concerning online identity theft and steps you can take to protect yourself online.

  • Take Quiz - Take quiz to test how much you know about keeping your identity safe

More and more people are turning to electronic means to handle their financial repsonsibilities and thus, it is necessary to take precautions to protect your identity. Take this short quiz to see if your identity is safe. You can check your answers immediately.

True or False?

  1. It’s okay if I carry my Social Security card with me. Identity thieves need far more than this number to successfully my indentity.
  2. By shredding a lot of mail that contains my personal information on it, I am helping to deter potential dumpster divers, who might take my mail and steal my identity.
  3. I don’t need to check my credit that often; I know it’s rock solid and I live in a safe community where identity thieves aren’t likely to strike.
  4. I can use passwords like my birthday, my mother’s maiden name, or the last four digits of my Social Security number when I’m online.
  5. If I think my identity has been stolen, I need to close any accounts that have been tampered with, place a “Fraud Alert” on my credit reports, file a police report, and contact the Federal Trade Commission to file a complaint.
  6. If I don’t enter my personal information online, I probably don’t have to worry about identity theft.

 

Answers

  1. False. Identity thieves are clever and can do quite a bit of damage using your Social Security number. Your Social Security number is as good as gold so it’s important to protect it. Don’t carry your Social Security card with you or write your Social Security number on a check. Find out why someone needs it, or ask to use another form of identification.
  2. True. Our trash can be a treasure trove for identity thieves because of what we might throw away, like bank or credit card statements which can include sensitive information. Shred all mail or documents that include personal information.
  3. False. It is crucial to monitor your financial accounts and billing statements regularly. Identity thieves are sneaky and sophisticated, and sometimes, the way people find out their identity has been stolen is by checking their credit reports. Visit www.AnnualCreditReport.com or call 1-877-322-8228 to order your FREE credit report each year.
  4. False. Don’t use obvious passwords like your birth date or mother’s maiden name. Identity thieves are likely to start with this information, knowing that many people rely on “easy-to-remember” passwords to protect their most sensitive information.
  5. True. Once your identity has been stolen, the thief has your good name and credit at their fingertips. Alerting the proper authorities can stop further damage to your identity and help law enforcement protect you and others. Notify authorities immediately!
  6. False. Skilled identity thieves may use a variety of methods to get your information, such as stealing your mail, wallet, or purse, obtaining personal information posing as legitimate business people; stealing personnel records from employers, or hacking into computers.