American Bank's Website Policy

 

American Bank is committed to providing the highest level of security and privacy regarding the collection and use of our Online Banking customers’ personal information, as well as that of all visitors to our website.

 

We do not collect unique identifying information (e.g., social security number, account number) about you individually unless you voluntarily and knowingly provide us with that information. You should never provide such information in an email or other transmission. If you need to contact us, use the Contact Us page on our website.

 

The collection of personal information online is designed to protect access to your personal accounts and assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes (such as to protect and administer your personal accounts and transactions, maintain your accounts and respond to your online requests), for security purposes (such as to maintain a secure session, authenticate your computer, verify transactions, and detect fraudulent transactions), for site management and to comply with state and federal banking regulations.

 

Use the Contact Us link to send a secure message to us through the American Bank website. The information you provide us with will only be used as appropriate to handle your request. Your personal information will not be dispersed or sold to other organizations.

 

By using our Contact Us link, the information is sent to American Bank securely. Please keep in mind that emailing, texting, posting, etc. is not secure and others may be able to intercept those transmissions.

 

Web analytic software is used to collect non-identifying information about our visitors, as follows:

• Information that we receive from online banking emails.

• Transaction information that you submit through our online banking service.

• The Internet address (referral site) which brought you to our web site.

• The name and version of your web browser.

• Your Internet Protocol (IP) address, the date and time you access our web site.

 

The general information that we collect is used to improve the content of our site and is not shared with other organizations for commercial purposes.

 

Cookies

 

We may use internet cookies to help us authenticate your online session to Online Banking. A cookie is a unique identifying bit of data sent from our web server to your internet browser when you visit our site. The cookie is stored on your system but does nothing to your computer or hard drive and does not gather any personal information about you. Cookies help websites track user preferences and recognize return visitors.

 

External 3rd Party Links

 

Our website may include links to other 3rd party web sites. These links to external 3rd parties are offered as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site.

 

American Bank does not control linked 3rd party web sites. We are not an agent for these third parties, nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information.

 

Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely. This privacy policy applies solely to the Customer Information collected by this Institution.

 

Emails

 

When you enroll for our online banking services, we may send emails to market various products and services offered by American Bank. We will always provide you with an opportunity to opt-in or opt-out of marketing related emails. We will also send security related email notices when you sign-up for “alerts” within the online banking or mobile app. These emails may include when you change your Password, security question, phone number or email address.

 

If you agree to accept electronic disclosures and/or online account statements, we may also send you notices of important account updates through email. For example, we may send you an email with updates to this privacy policy and/or we may send you a notice that you have an important message within online banking. For more information on how to enroll for electronic disclosures, please contact us at 704-220-6922.

 

We will never send you an email asking for personal information such as your account number, ATM card number, PIN number, social security number, or login information.

Security

 

Your Online Banking account is secured by a unique user ID, password and two factor authentication. You should never share your online banking credentials and should notify us immediately if they have been compromised or your access device (e.g., mobile phone, tablet, laptop, or computer) has been lost or stolen. Your online banking session will sign off automatically from inactivity to protect your data. For additional security, please remember to sign off after use and close your internet browser.

 

The use of public or shared computers is not recommended for online banking and if used, is used at your own risk. If you must use a public, shared, or non-personal access device, do not check the box “to remember me” for your online banking account, log out after every online banking session, close out the internet browser, and use the browser tools available to delete your cookies and history when you are finished using the access device.

 

Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the Web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Children's Online Privacy Protection Act

 

The Children’s Online Privacy Protection Act (COPPA) protects children under the age of 13 from the online collection of personal information. We do not knowingly collect names, email addresses, or any other personally identifiable information from children under the age of 13. Also, we do not knowingly market to children under the age of 13. For more information about COPPA, please visit the Federal Trade Commission’s website.

Questions

 

Please refer to our current Privacy Policy (Opens in a new Window) for more information on how we manage the personal information of our current and former customers.

 

If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at 704-220-6922.

March 2024