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Bank of Wolcott Privacy Notice

Latest Revision April 2012


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
  • Account balances
  • Payment history
  • Credit history
  • Credit card or other debt
  • Checking account information
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 Bank of Wolcott chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.Does Bank of Wolcott 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
For our marketing purposes –
To offer our products and services to you.
NoWe don't share
For joint marketing with other financial companiesNoWe don't share
For our affiliates’ every day business purposes –
information about your transactions and experiences
NoWe don't share
For our affiliates' everyday business purposes –
information about your creditworthiness.
NoWe don't share
For nonaffiliates to market youNoWe don't share

Questions?Call 219-279-2185 or go to

Who We Are
Who is providing this notice? Bank of Wolcott

What We Do
How does Bank of Wolcott 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Bank of Wolcott collect my personal information?We collect your personal information, for example, when you:
  • Open an account
  • Deposit money
  • Apply for a loan
  • Give us your contact information
  • Show your driver's license
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:
  1. Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  2. Affiliates from using your information to market to you
  3. Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Affiliates:Companies related by common ownership or control. They can be financial and nonfinancial companies
  • Bank of Wolcott has no affiliates.
Nonaffiliates:Companies not related by common ownership or control. They can be financial and nonfinancial companies
  • Bank of Wolcott 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.
  • Bank of Wolcott does not jointly market.
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