Privacy Policy

Facts

What does Troy Bank and Trust do with your personal information?

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
  • Income
  • Account balances
  • Payment history
  • Transaction history
  • Credit history

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.

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 Troy Bank and Trust chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Troy Bank and Trust 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
YesNo
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’ everyday 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 non-affiliates to market toyouNoWe don’t share

Questions? Call 888-258-8769

What We Do

How does Troy Bank & Trust 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 Troy Bank & Trust collect my personal information?We collect your personal information, for example, when you:
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your income information
  • Provide your mortgage information
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

AffiliatesCompanies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include: Henderson Bancshares, Inc.
Non-affiliatesCompanies not related by common ownership or control. They can be financial and non-financial companies.
Troy Bank and Trust does not share with non-affiliates.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Troy Bank and Trust does not jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. 

We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. 

We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. 

We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For Vermont Customers. 

We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

card-atmcard-bank-accountcard-bankcard-calculatorcard-checkingcard-credit-cardscard-debit-cardscard-loanscard-merchantcard-money-requestcard-money-transfercard-mortgagecard-paycheckcard-savingscard-securitycard-transactioncard-trustcard-wealth-managementcaret-down-greencaret-downcheckchevron-downchevron-right-dual-primarychevron-right-dual-secondarychevron-right-dualchevron-right-single-currentcolorclose-search-bar-buttonclosecustom-next-arrowcustom-prev-arrowdashequal-housing-opportunityfdic-memberhamburgerinstagram-squarelinkedin-squareloadingmail-bluemail-whitemailmap-pinpausephoneplayrefreshsearch-whitesearchsocial-emailsocial-facebooktwitter-squareuser