Privacy Policy

FACTS WHAT DOES HAMILTON STATE BANK 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 account balances
Payment history and transaction history
Account transactions and credit 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 Hamilton State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Hamilton
State 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
No We don’t share
For our affiliates’ everyday business purposes –
Information about your creditworthiness
No We don’t share
For non‐affiliates to market to you No We don’t share
Questions? Call 800‐513‐8061 or go to www.hamiltonstatebank.com
Who we are  
Who is providing this notice? Hamilton State Bank
What we do  
How does Hamilton State Bank
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 Hamilton State Bank
collect my personal information?
We collect your personal information, for example, when you
Open an account or apply for a loan
Make a wire transfer or give us contact information
Make deposits or withdrawals from your account
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 nonfinancial companies.
Auto Finance South, LLC
Non‐affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Hamilton State Bank does not disclose any non‐public personal information about our customers or former customers to anyone, except as permitted by law.
Joint Marketing A formal agreement between non‐affiliated financial companies that together market financial products or services to you.
Hamilton State Bank does not participate in joint marketing.

Security Policy

Your transactions are safe. Hamilton State Bank works with leading-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:

Secure Communications

Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption - the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to 'encrypt' or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. Is your browser secure?

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a 'firewall.' A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks' internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Environment

User IDs and passwords are isolated from the Internet by being stored on Hamilton State Bank's computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from eight to twelve characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the 'hacker' from gaining access to our system, thus protecting your accounts.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you receive your Online Banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

Things you can do

At Hamilton State Bank, we understand that the security of your personal and account information is extremely important to you. In addition to the security controls in place at the bank, there are several steps you, the customer, can take to further protect your information.

  • Never click on links in unsolicited emails.

 

The bank will not request that you change personal or account information by email.

  • Don’t give out personal information over the phone, through the mail or over the internet unless you are absolutely sure you know who you are communicating with.
  • Shred any documents containing personal or account information prior to throwing them away.
  • Keep your personal information in a secure place at home.
  • Install anti-virus, firewall and anti-spyware software onto your computer and keep them up to date.

 

An excellent source for additional information about protecting your information and your identity can be found at the Federal Trade Commission website at www.ftc.gov.

Things to know

Phishing is an attempt to fraudulently acquire sensitive information such as usernames, passwords and account details.

Pretexting is the practice of getting your personal information under false pretenses. Your information is then sold to people who may use it to get credit in your name, to steal your assets, or to investigate or sue you. Pretexting is against the law.

Skimming is the process of stealing your credit / debit card numbers by using a special storage device when processing your card.

Pharming involves the installation of malicious code onto your computer, usually installed by opening an email or email attachment. The software can then direct you to a fake web site resembling your bank or financial institution.