Privacy Policy

 

What Does American Heritage Bank Do With Your Personal Information?

Rev. Date 9/14

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 account transactions
  • Credit history and payment 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 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
Yes No
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
What We Do
How does American Heritage Bank protect my 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 information to provide products or services to you have access to your information.
How does American Heritage Bank collect my 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 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 and non-financial companies.
“American Heritage Bank shares with our affiliate, Peoples Bank of Tulsa, Oklahoma.”
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
“American Heritage Bank does not share with nonaffiliates so they can market to you.”

A formal agreement between non-affiliated financial companies that together market financial products or services to you.
“American Heritage Bank does not 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.