WHAT DOES AMERICAN COMMERCIAL BANK & TRUST 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
- Payment history and transaction history
- Transaction or loss history and overdraft 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 American Commercial Bank & Trust chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does American Commercial Bank & Trust share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes— such as to process your transactions, maintain your accounts(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 |
Who we are
Who is providing this notice?
American Commercial Bank & Trust, N.A. and the Divisions of American Commercial Bank & Trust: The First National Bank of Ottawa and Streator National Bank
What we do
How does American Commercial 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 Commercial Bank & Trust collect my personal information?
We collect your personal information, for example, when you
- Open an account or apply for a loan
- Make deposits or withdrawals from your account or apply for financing
- Show your drivers license
- 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
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
State laws and individual companies may give you additional rights to limit sharing. [See below for more information on your rights under state law.]
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
– American Commercial Bank & Trust has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
– American Commercial 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 Commercial Bank & Trust doesn't jointly market.
Other important information
Special Notice For State Residents
FOR ILLINOIS CUSTOMERS: We will not share personal information with non–affiliates either for them to market or for joint marketing—without your authorization.
Questions?
Call (815) 434-0044 or go to www.acbandt.com