Privacy Policy

Privacy Rights

What does National Bank of Middlebury do with your personal information?

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.

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, income and address
  • Account balances, payment history, and account usage
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the following section, we list the reasons financial companies can share their customers' personal information; the reasons National Bank of Middlebury chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

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. Do we share? Yes  Can you limit this sharing? No

For our marketing purposes—to offer our products and services to you. Do we share? Yes  Can you limit this sharing? No

For joint marketing with other financial companies.Do we share? No  Can you limit this sharing? No

For our affiliates' everyday business purposes—­information about your transactions and experiences. Do we share? No  Can you limit this sharing? Yes

For our affiliates' everyday business purposes—information about your creditworthiness. Do we share? No  Can you limit this sharing? Yes

For our affiliates to market to you. Do we share? No  Can you limit this sharing? Yes

For non-affiliates to market to you. Do we share? No  Can you limit this sharing? Yes

How does National Bank of Middlebury 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 National Bank of Middlebury 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 or 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 non-affiliates 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 or non-financial companies.

  • Community Financial Services Group
  • Middlebury National Corporation

Non-Affiliates - Compmaies not related by common ownership or control. They can be financial and non-financial companies.

  • Deluxe Check Printers
  • Vantiv (ATM and card processing)
  • Mortgagebot (online loan applications)
  • Check Free (bill-pay company)
  • FIS (statement fulfillment)

Joint Marketing - A formal agreement between non-affiliated companies that together market financial products or services to you.

  • N/A

Other Important Information:

This notice describes our current information privacy policy and practices, but we reserve the right to make changes in the future.  You will be notified in writing of any changes.

This Notice of Your Financial Privacy Rights does not apply to business customers and is not intended to create a contract or to enlarge the bank's legal obligations.

Guidelines for the responsible use and protection of our customers' information

Whereas National Bank of Middlebury recognizes its customers' expectations of financial privacy; and whereas preserving our customers' trust is one of the core values of our bank and the broader banking community; we therefore resolve to abide by the following guidelines for the responsible use and protection of our customers' information:

We will:

  • Always value the trust of our customers and the importance of keeping their personal financial information confidential.
  • Provide our customers with our policy on using their personal financial information responsibly and protecting it.
  • Hold our employees to the highest standard of conduct in ensuring the confidentiality of customer information.
  • Hold any personal medical information about our customers sacred and will NOT use it for marketing purposes or in making credit decisions.
  • Use information responsibly in order to provide our customers with significant benefits, including fraud prevention, improved products and services and to comply with laws.
  • Establish procedures to maintain accurate information and respond in a timely manner to our customers' request to change or correct information.
  • Use a combination of safeguards to protect our customers against the criminal use of their information and to prevent unauthorized access to it.
  • Require the companies we do business with to abide by our privacy policy to maintain confidentiality of our customers' information.
  • Not provide account numbers to companies outside our family of companies for marketing purposes.

Website Privacy Policy

In addition to our official privacy policy, you may want to know that this is how we will handle information that you provide to us through our website.

  1. If you visit our site to read information, such as product and service descriptions, or branch and ATM locations:

    We may collect and store the following information about you:

    • The name of the domain from which you access the Internet
    • The Internet provider address
    • Web browser used
    • Date and time you access our site
    • Use any information collected to measure number of visitors to our site. This allows us to better understand how many visitors use our site and which pages and features are most popular.

    Other websites' privacy and security policies may be different from ours. Please read them when you visit their websites.

  2. If you identify yourself by sending an email:
    • We will use your personal identifying information only to the extent that it is required to fulfill your request.
    • Personally identifying information is not disseminated or sold to other organizations.
  3. If you choose to use National Bank of Middlebury's Online Banking product to do routine inquiries or transfers to your accounts:

    We may collect and store the following information about you:

    • Your program access ID
    • Category of service you requested
    • Number of times you requested a particular category
    • Date and time you access our site

Other websites' privacy and security policies may be different. Please read them when you visit their website.

We will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information to us. National Bank of Middlebury is committed to protecting your privacy. If you have any questions about privacy, please email us at info@nationalbankmiddlebury.com.