Privacy Policy

What Does American Heritage Bank Do With Your Personal Information?

Privacy Disclosure

Rev. Date 10/1/2020

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 income Account balances and credit history Payment history and credit scores 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 Heritage Bank chooses to share; and whether you can limit this sharing.

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 income
Account balances and credit history
Payment history and credit scores

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 Heritage Bank chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does American Heritage Bank 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	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

Questions?	Contact us.

Who we are
Who is providing this notice?	American Heritage Bank

What We Do
How does American Heritage Bank 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. We maintain physical, electronic, procedural safeguards to ensure the confidentiality of your information. Only employees who need the information to provide products or services to you have access to your information.
How does American Heritage Bank collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Use your credit and debit card 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.

What We Do

How does American Heritage Bank 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.

We maintain physical, electronic, procedural safeguards to ensure the confidentiality of your information. Only employees who need the information to provide products or services to you have access to your information.

How does American Heritage Bank collect my personal information?

We collect your personal information, for example, when you

Open an account or deposit money
Pay your bills or apply for a loan
Use your credit and debit card

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. American Heritage Bank does not share with our affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. American Heritage Bank 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 Heritage Bank doesn’t jointly market.

Other Important Information
American Heritage Bank is chartered, licensed or registered under the laws of State of Oklahoma and is subject to regulatory oversight by the Federal Reserve. Any consumer wishing to file a complaint against American Heritage Bank should contact the Federal Reserve Consumer Help Center, P.O. Box 1200 Minneapolis, MN 55480. Toll-Free (888)-851-1920. Fax (877)-888-2520. TDD (877)-766-8533.