Two Rivers Bank Privacy Policy
   

Information We Collect:
We collect nonpublic personal information about you from the following sources;
  • Information we receive from you on applications or other sources;
  • Information about your transactions with us, our affiliates or others; and
  • Information we receive from a consumer reporting agency.
 
“Nonpublic Personal Information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you.  This could include information such as account balances, payment history or overdraft history.
 
Information We May Disclose:
We may disclose the following information to companies that perform processing, servicing or marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:
  • Information we receive from you on an application or other forms, such as your name, address, social security number, assets and income;
  • Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit card usage;
  • Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.
 
Information We May Disclose to Nonaffiliated Third Parties:
We may disclose all of the personal information we collect about you, as described above, to the following types of nonaffiliated third parties:
  • Financial service providers, such as mortgage bankers, securities broker-dealers and insurance companies;
  • Non-financial companies, such as retailers, direct marketers, airlines, credit card marketing partners and publishers;
  • Others, such as non-profit organizations.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of Two Rivers Bank.  If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures other than permitted by law.  If you choose to exercise your opt out rights, please complete “Two Rivers Bank Opt Out Notice” and return to the address provided.
 
We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.  This may include personal information we collect about you to complete transactions that you request, such as a check printing company.  Additionally, we may disclose personal information we collect about you in connection with a subpoena or similar legal requirement.
 
Employee Access to Customer Information:
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
 
Former Customers:
In the event you close your account or become an inactive customer we will continue to adhere to the privacy policies and practices described in this notice.

 

Opt Out Notice
 
If you prefer that Two Rivers Bank not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures by directing us to not share your information (except as permitted by law).  If your account is owned jointly with one or more other customers, an opt out direction by one joint owner will apply to all other joint owners of that account.  Once you sign an opt out notice, you do not have to provide it again.
 
If you wish to opt out, please check the box below and return a copy of this notice to us by mailing to:
 
Two Rivers Bank
P.O. Box 550
Blair, NE   68008
 
or, return a copy to any Two Rivers Bank branch location.  Please keep a copy of this notice for your own records.
 
            Please do not share information with nonaffiliated third parties as
            described in Two Rivers Bank Privacy Policy.
 
            Name _____________________________________________________
 
            Address ____________________________________________________
 
            City ___________________________State ___________Zip _________
 
            Social Security Number _______________________________________
           
            Account Number(s) ___________________________________________
 
            ___________________________________________________________
 
            Signature ____________________________________________________
 
            Date ________________________________________________________
 
 

   
   
Two Rivers Bank Online Banking Privacy Policy
   

Two Rivers Bank is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers’ personal information, as well as that of all visitors to our web site. Personal information may be collected through the submission of account applications, online banking transactions, or through the use of online financial tools such as interactive calculators. A detailed description of Two Rivers Bank’s Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, please contact our main office at 402-426-9500.
Respect of Right to Privacy
Two Rivers Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.
Collection and Use of Personal Information
The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes-to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.
Employing stringent security measures in the collection of your personal information, all Two Rivers Bank online banking applications are submitted to the bank's secure administration site through an encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified-for example, updated or added to-your personal information.
Maintenance of Accurate Information
It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. For this reason, Two Rivers Bank allows you to update your personal information online, at anytime, through the submission of encrypted email requests sent to the bank’s secure administration site. Notifications are immediately sent to approved bank personnel alerting them to the receipt of your request. This procedure allows Two Rivers Bank to update your personal information within a timely manner.
Limited Employee Access to Personal Information
Two Rivers Bank limits employee access to your personal information to only those bank administrators with a business reason for knowing such information. Two Rivers Bank also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.
Third-Party Disclosure Restrictions
Two Rivers Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline.
Disclosure of Privacy Policies
Two Rivers Bank is committed to ensuring the privacy of its customers’ personal information. For more information regarding the Two Rivers Bank Online Banking Privacy Policy, please contact our main office at 402-426-9500.

   
   
 
NOTICE: The web site of Two Rivers Bank may contain features that are provided to our customers from an outside source. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful or entertaining. Please contact us with any concerns or comments. The contents of this Web site are for informational and/or authorized customer use. Any unauthorized use of or access to this Web site or it's contents may be punishable by applicable laws.