Our Collection, Use and Retention of Customer Information.
We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services and other opportunities to our customers. We collect and retain information available from public records, market research and credit reports, as well as information you provide to us, only for specific business purposes. We will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customer's records, accounts and funds; to comply with certain laws and regulations; to help design or improve our products and services; and to understand your financial needs and provide you quality products and outstanding service. If you send us e-mail, we may retain the content of the e-mail and your e-mail address in order to respond to questions or concerns you may have expressed.
Our Bank complies with Section 326 of the USA PATRIOT ACT.
This law mandates that we verify certain information about you while processing your account application. When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see and copy your driver's license and other identifying documents.
Our Maintenance of Accurate Information.
We have implemented procedures to help assure that our customer's financial information is accurate, current and complete in accordance with commercially reasonable standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information in a timely manner and remove old information. Customers should notify us immediately at Bay Bank, 2555 Packerland Drive, PO Box 10855 Green Bay, WI 54307 or by phone at 920-490-7600 if they receive information regarding their relationship with us that they believe to be inaccurate.
Limited Employee Access to Information.
We have procedures and security levels that limit employee access to personally identifiable information to those with a business reason to know such information. At Bay Bank's monthly staff meetings, we educate our employees about the importance of confidentiality and customer privacy through our operating procedures, training programs, and policies on ethics. We take appropriate disciplinary measures to enforce employee privacy responsibilities.
Restrictions on the Disclosures of Account Information.
We do not reveal specific information about our customers' accounts or other personally identifiable data unless (1) our customer requested or authorized it; (2) the information is provided to help complete a transaction initiated by our customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required. We do not provide account or personal information to companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.
Maintaining Customer Privacy in Business Relationships with Outside Third Parties.
At times it is necessary to provide personally identifiable information about our customers to a third party such as a vendor or service company that we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law. We may also share customer information with affiliates or non affiliated third parties in order for our customers to receive information about products and services we believe to be of interest to them. You have the right to limit this sharing and use of information by contacting us at Bay Bank, 2555 Packerland Drive, PO Box 10855 Green Bay, WI 54307 and making a request in writing.
Our Internet Web Site. Visitors to the Bay Bank's Web site remain anonymous.
We do not collect personal identifying information about site users, unless you choose to provide such information to use. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our site; and the Internet address of the Web site from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection using encryption, and will alert you to this fact. This is the case where confidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via e-mail or our feedback form. This information is used internally, as appropriate, to handle the sender's request and manage the Web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent. Visitors should call us directly at Bay Bank, 920-490-7600 if requests or statements include sensitive or private information, such as account numbers, credit card numbers or social security number. Bay Bank will NEVER ask you for your Personal Identification Number (PIN) for your VISA card. If you are asked for this information, please call 920-490-7600 and report it to one of our employees immediately.
Bay Bank does not knowingly solicit data from children, and we do not knowingly conduct on-line marketing to children. We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and with parents.
This Internet Banking Solution brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a User ID and a password. The Online Banking Solution uses a "three strikes and you're out" lock-out mechanism to deter users from repeated log-in attempts. After three unsuccessful log-in attempts, the system locks the user out, requiring a phone call to the bank to reset the password before re-entry into the system. Upon successful log-in, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.
Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new accountholder starts a server session.
Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your online banking transactions are secure.