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FACTS

WHAT DOES STATE BANK & TRUST CO., DO WITH YOUR PERSONAL INFORMATION?

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 payment history credit 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 State Bank & Trust Co. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does State Bank & Trust Co. 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

Questions?

Call (515) 382-2191 or go to www.banksbt.com 
What we do
How does State Bank & Trust Co. 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 State Bank & Trust Co. collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills or deposit money
  • 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 and 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.

  • Our affiliates include companies owned by Ames National Corporation, such as Boone Bank & Trust Co., First National Bank NA, Iowa State Savings Bank, Reliance State Bank, United Bank & Trust Co.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • State Bank & Trust Co. 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.

  • State Bank & Trust Co. does not jointly market.

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