“Consumers,” “we,” “our” and “us” mean Consumers Bancorp, Inc., Consumers National Bank and affiliates. “You” and “your” mean present and former customers of Consumers.
In General
Consumers has always valued customer privacy very highly, and you can be assured that our corporate focus is to protect the privacy of your dealings with us. If you ever have any questions about the confidentiality of information we maintain about you and your relationships with us, visit us at any convenient branch location or call us. Our Main Office information is:
Consumers National Bank
614 E. Lincoln Way
P. O. Box 256
Minerva, Ohio 44657
1-800-948-1262
For the purpose of this notice, the terms listed below have the definition shown:
- Customer: A person that has a continuing relationship with Consumers for a personal, family or household purpose.
- Affiliate: A company Consumers owns or controls, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us;
- Nonaffiliated third party: A company that is not an affiliate of Consumers;
- Nonpublic personal information: Information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources;
We collect nonpublic personal information (“information”) about you from the following sources:
- Information that we receive from you on applications or other forms you provide to us (such as your name, address, social security number, assets, and income);
- Information that we receive from processing your accounts with us and the transactions in those accounts, as well as information that we receive from providing services to you (such as your account balance and payment history); and
- Information that we receive from third parties such as credit bureaus (such as your credit history).
We do not share, sell or disclose nonpublic personal information about you to anyone except as otherwise permitted by law, specifically Title V of the Gramm Leach Bliley Act of 1999.
For example, we may disclose information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We may also disclose information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements so that we may offer you enhanced products and services.
Our Security Procedures
We take measures to safeguard your information. We restrict access to your personal and account information to those employees who “need to know” that information to provide products or services to you. To comply with federal and legal standards, we have established physical, electronic, and procedural controls to protect your nonpublic personal information.
Revised February 2006
Protecting Your Information
Ensuring the security of your personal information online is a top priority for us.
When you sign in to Internet Banking on our home page, your Log-in ID and Password are secure. The moment you click Go and before your Login and Password leave your computer, we encrypt them using Secure Sockets Layer (SSL) technology.
Use of Secure Browsers
Our online banking product requires that you only use an internet browser that supports 128-bit encryption. See our Browser Guidelines. You may “test” your browsers ability to meet these requirement at www.verisign.com/advisor/check.html.
Types of Online Risks
Identity Theft/Phishing/Pharming/Email Scams
Phishing attacks use both social engineering and technical activity to steal consumers' personal identity data and financial account credentials. Social-engineering schemes use 'spoofed' e-mails to lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as credit card numbers, account usernames, passwords and social security numbers. Hijacking brand names of banks, e-retailers and credit card companies, phishers often convince recipients to respond. Pharming schemes plant crimeware onto PCs to steal credentials directly, often using Trojan keylogger spyware.
To protect yourself against these typical online risks:
If you get an email or pop-up message that asks for personal or financial information, do not reply. And don’t click on the link in the message, either. Legitimate companies don’t ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company’s correct Web address yourself. In any case, don’t cut and paste the link from the message into your Internet browser — phishers can make links look like they go to one place, but that actually send you to a different site.
Use anti-virus software and a firewall, and keep them up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge.
Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically.
A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It’s especially important to run a firewall if you have a broadband connection. Operating systems (like Windows or Linux) or browsers (like Internet Explorer or Netscape) also may offer free software “patches” to close holes in the system that hackers or phishers could exploit.
Don’t email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization’s website, look for indicators that the site is secure, like a lock icon on the browser’s status bar or a URL for a website that begins “https:” (the “s” stands for “secure”). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
Review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer’s security.
Forward spam that is phishing for information to spam@uce.gov and to the company, bank, or organization impersonated in the phishing email. Most organizations have information on their websites about where to report problems.
If you believe you’ve been scammed, file your complaint at www.ftc.gov, and then visit the FTC’s Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can't entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk.
If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus. See www.annualcreditreport.com for details on ordering a free annual credit report.
Credit Bureau Addresses
Experian
P. O. Box 9595, Allen, TX 75013-9595 Tel: 888-397-3742, Experian is the largest of the three credit bureaus. When ordering your credit report, you might be asked to provide the following information: First, middle and last name; current address; previous addresses for the past five years; social security number, date of birth; spouse's name. If you are not entitled to a free credit report, you will need to pay them the applicable fee.
Equifax
P. O. Box 740241, Atlanta, GA 30374 Tel: 800-685-1111, When ordering your credit report, you might be asked to provide the following information: Full legal name, address, social security number, most recent former address. If you are not entitled to a free credit report, you will need to pay them the applicable fee.
Trans Union
P. O. Box 1000, Chester, PA 19022 Tel: 800-888-4213, When ordering your credit report, you might be asked to provide the following information: First, middle and last name; current address; previous addresses for past two years; social security number, date of birth; current employer; phone number. If you are not entitled to a free credit report, you will need to pay them the applicable fee.
You can learn other ways to avoid email scams and deal with deceptive spam at www.ftc.gov/spam.
Computer Viruses or Worms
A computer virus passes from computer to computer like a biological virus passes from person to person. A computer virus must piggyback on top of some other program or document in order to get executed. Once it is running, it is then able to infect other programs or documents. Most viruses are a nuisance, but some are quite dangerous.
A worm is a computer program that has the ability to copy itself from machine to machine. Worms normally move around and infect other machines through computer networks. Using a network, a worm can expand from a single copy incredibly quickly. For example, the Code Red worm replicated itself over 250,000 times in approximately nine hours on July 19, 2001. A worm usually exploits some sort of security hole in a piece of software or the operating system.
Your best protection from acquiring a computer virus or a computer worm is to use a personal firewall, updated anti-virus software, and monitor emails and web surfing activity of people using your computer.
Hackers/Crackers
A "cracker" is one who breaks into or otherwise violates the system integrity of remote machines with malicious intent. Having gained unauthorized access, crackers destroy vital data, deny legitimate users service, or cause problems for their targets. Crackers can easily be identified because their actions are malicious.
A "hacker" is a person interested in the workings of any computer operating system. Hackers are most often programmers. As such, hackers obtain advanced knowledge of operating systems and programming languages. They might discover holes within systems and the reasons for such holes. Hackers constantly seek further knowledge, freely share what they have discovered, and never intentionally damage data. Hackers can become dangerous if they accidently damage data.
Your best protection from becoming the victim of a Hacker or Cracker is to ensure that you use a personal firewall, have current software patch upgrades applied to your system , and monitor the use our your computers.
Who to Notify if you are concerned or believe you may have been a victim of Phishing, Pharming, Identity Theft, or Email Scams
Immediately contact us at the Bank at IdentityTheft@consumersbank.com
FTC at www.ftc.gov
Your local law enforcement agency can accept complaints as well.
Other Sites You Can Consider
http://www.consumer.gov/idtheft/ (This is a Federal Trade Commission website)
http://www.dmaconsumers.org/offemaillist.html
http://www.dmaconsumers.org/offmailinglist.html
http://www.dmaconsumers.org/offtelephonelist.html
http://www.ftc.gov/donotcall/
Applications for Product or Service Enrollment
We do not currently allow users to apply for Bank products or services online (e.g. Loans, Online Banking, Deposit Accounts). We may, in the future, begin to allow such services as we become comfortable that applicant information is secure as it is provided via the internet.
Applications for Employment
We do not currently collect information regarding requests for employment directly from our website. Our Careers page does provide contact information for a prospective employee to contact our Human Resources directly about an adverstised position. Once a prospective employee has contacted our Human Resources Department, a proper method of sharing pertinent personal information will be determined. This information is kept secure by our Human Resources Department and is used only to evaluate an individual for employment.
Financial Planning Tools
Our site offers visitors several calculators for personal use. These Financial Planning tools are provided as self-help tools for independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. We do not capture any personal information with these calculators.
