Your privacy is our priority

This policy explains how Carter Bank & Trust uses your information

Rev 6/2018

Facts

What does Carter 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
  • Overdraft history and mortgage rates and payments
  • Credit history and wire transfer instructions

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 Carter Bank & Trust chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Carter Bank & Trust 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
Yes

No

For joint marketing with other financial companies Yes No
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

 

Questions? Call 833-275-2228 or go to www.carterbank.com

 

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Who we are  
Who is providing this notice? Carter Bank

 

What we do  
How does Carter 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 Carter Bank & Trust collect my personal information?

We collect your personal information, for example, when you

  • open an account or make a wire transfer
  • use your credit or debit card
  • show your government-issued ID

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  
Affliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Carter Bank & Trust has no affiliates
Nonaffiliates

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

  • Carter 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.

  • Carter Bank & Trust’s joint marketing partners include insurance companies