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American Bank Online Privacy Notice

Last Update: August 5, 2013

American Bank respects the privacy of our customers and knows how important it is to protect the confidentiality of their information. We maintain security standards and procedures to guard against unauthorized access to customer information, and are committed to protecting information on our websites with the same care we utilize for all American Bank transactions.

What Type of Information Do We Collect and How is it Used?

We may offer sites or applications that do not require registration.  We may also offer the ability to conduct banking or otherwise access your accounts via your mobile device.  When you initiate an online application for one of our products or services, complete an inquiry form, open a chat session or register for an online service, our websites may request information, such as your email address, telephone number or your account number. We may also gather your location information resulting from your mobile activity.  This information allows us to perform certain tasks (for example, correspond with us or review your accounts) and it allows us to provide the information you requested.  In these cases, we collect only the information necessary to interact with you.  We also gather other information to track our online and mobile websites usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.

Under no circumstances is visitor or customer personal information disseminated or sold to non-affiliated third party organizations.

Cookies or Application (App) Data

A cookie is a piece of information that our web server stores on your computer’s hard drive and retrieves later. On mobile devices, mobile browser-based applications may also use cookies.  Native Apps will often store information within the restricted space of the App for the purpose of improving the user experience.  A cookie or stored App data does not allow our websites or mobile applications to capture your e-mail address, access your files or any information you may have stored on your computer or gain confidential or sensitive information about you.  Contrary to reports about cookies, cookies do not contain viruses. We do not embed your social security number, accounts or password in our cookies.  Also, without revealing your identity, cookies may help us confirm your identity and help us keep your transactions with us secure when you do your banking online.

App data is protected from other apps running on your mobile by the operating system’s embedded security.

We do not collect personal identifying information about visitors to our websites. Some areas of our websites or browser-based mobile interface may use a “cookie” temporarily stored in the visitor’s computer volatile memory, mobile device or stored on the visitor’s computer hard drive, to allow the web server to log the pages you use within the sites and to know if you have viewed the sites before. We do not store confidential or sensitive information in cookies. For certain applications, such as online banking & mobile browser-based banking, cookies are a requirement because they help protect the privacy of a customer’s transactions by, for example, automatically terminating the online session if you forget to log out.

We recommend that you complete your online or mobile transactions and sign off before surfing to other sites or turning off your mobile device.  We also suggest that you do not surf to other sites during your online banking and mobile banking session.

You can set your browser to reject certain cookies.  However, if you choose to reject cookies, you cannot bank via online banking, using the browser-based APP version of mobile banking with American Bank.  If your browser rejects cookies, you may not be able to sign on to your favorite sites or use the features you like most within those sites.

Security

We use the highest industry standard for online security, Secure Sockets Layer (SSL) encryption, to secure your online sessions. When you bank online, encrypted cookies and similar tools help us ensure your identity and protect your accounts from unauthorized use. We also use firewalls, passcodes, data encryption and other safety features to ensure that the information you provide us remains secure. More information on how we safeguard your information online and measures you can take to protect yourself can be found in the Online Security section.

Online Marketing

Occasionally, you may encounter banner ads for American Bank products and services on other websites. We may use third party ad serving companies to distribute our ads on websites where we’ve paid to advertise. When you click on an American Bank banner, it will take you to our website where the advertised product or service is found. Sometimes these ads contain small graphics or tags in them. These tags capture information such as IP address, browser type and pages being viewed when a user clicks on an ad so we can track the effectiveness of our advertising. These tags do not capture personal information about you. The vendors we use to distribute our ads are prohibited from using any information collected except to track advertising effectiveness.

Mobile Banking

American Bank Mobile Banking allows you to access your account balances, pay bills, pay other people, make transfers and deposits on your mobile device in accordance with our Online Banking Access Agreement.

Linking to Other Sites

We may provide links to non-American Bank sites, such as bank rating, rewards programs, check printer, credit card, credit bureaus or merchants, and will notify you when leaving the American Bank site. If you choose to link to websites not controlled by American Bank, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these sites we urge you to carefully study their privacy policies before sharing.

Aggregation Services

Aggregation allows you to gather information from many websites and view that information in a consolidated format on one site. If you provide information about your American Bank accounts (including your access information) to an aggregation service provider, we will consider that as your having authorized all transactions initiated by that aggregation site. We shall have no responsibility for any use or misuse of your account data by any third party to whom you have provided your account information.  If you cancel your third-party aggregation service we recommend you change your AmericanBank Online password at ambk.com.  Click here for additional information.

Email

We collect and keep the contents of email you send us in addition to your contact address and our response. This enables us to respond to your requests and questions. Email sent to us should be used for inquiries that are not sensitive or confidential as regular, non-encrypted Internet email (the email we use on most of the site) is not secure. If we need information beyond your name, address, email address and phone number, we’ll provide you with a secure email form. We will never request that you confirm your account numbers, social security numbers, password or other sensitive information via email.

We will ask for an email address when you set up a new account or service with us. We may use this address to communicate with you regarding our products and services. You can unsubscribe from our marketing emails at any time by selecting the “Unsubscribe” link provided in the email.

Requesting Information

In order to protect the security of your accounts, we will never call or send you emails asking you to provide, update, or verify personal or account information, such as passwords, Social Security Numbers, PINs, check or credit card numbers or other confidential information.  If you receive any communication from someone posing as American Bank requesting such information, please contact us at 888.366.6622 to confirm authenticity.

However, please be aware that in certain telephone and in-person transactions, we may ask for your full Social Security Number, account number or other information to verify your identity before conducting the transactions you have requested. Those transactions include calls you have placed to us and when we have called you about a new product or service we believe you will find valuable. We strongly suggest that you do not share your Password or PIN with anyone, under any circumstances.

Learn more about how to protect yourself from identity theft.

Social Security Numbers

As part of its Privacy practices, American Bank is committed to protecting the confidentiality of Social Security numbers, prohibiting unlawful disclosure of Social Security numbers, and limiting access to Social Security numbers.

Protecting Your Children
American Bank strictly follows the federal guidelines of the Children’s Online Privacy Protection Act (COPPA) which gives parents control over what type of information is collected online about their children. Visit the COPPA website for more information.

We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 on our websites. We are not responsible for the data collection and use practices of nonaffiliated third-parties that are linked from our websites.

Social Media

American Bank provides experiences on social media platforms such as Facebook® that enable online sharing and collaboration. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Given the very public nature of social media, it is critical that we all safeguard confidential financial information. If you post information on an American Bank site that we feel should be shielded from public view, we will remove it. This includes not only specific details about your American Bank accounts and other private, confidential information (such as your Social Security number), but also details of information relayed in private conversations between you and American Bank employees. Please know that in taking down or editing your posts, we are focusing our experience and best judgment on keeping your financial information safe.

Updates to this Privacy Notice

This Online Privacy Notice is subject to change.  Please review it periodically.  If it is necessary to make changes to our privacy policies, we will update the American Bank Online Privacy Notice with the changes and new effective date. Any changes to this Online Privacy Notice will become effective when we post the revised Privacy Notice on our website.  Your use of the site following these changes means that you accept the revised notice.

Click here to learn more about online security and how to protect your online accounts.

Contact Us

We take your Privacy very seriously and encourage you to contact us with any questions or concerns.