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Main Office
1000 South State Street
Jerseyville, IL 62052
Phone: (618) 498-6466
Wal-Mart Banking Office
1316 South State Street
Jerseyville, IL 62052
Phone: (618) 639-2265
Grafton Banking Office
14 East Main Street
Grafton, IL 62037
Phone: (618) 786-2311
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Privacy Policy
Policy Statement
Protecting the Privacy of our Customers
Nothing is more important to Jersey State Bank than safeguarding your financial information. We recognize the sensitive nature of this information, and take every precaution to ensure your privacy. When you entrust us with your financial information, you can be certain it will be used only in an appropriate manner.
This policy statement is designed to explain the type of information Jersey State Bank deems necessary to collect and how it is used, and with whom and under what circumstances it will be shared.
What do we do with the information we collect?
For loan applications and new account forms, information regarding your financial status such as employment, income, monthly expenses, and assets generally comes directly from you voluntarily, in person, or by mail.
For credit and repayment history, Jersey State Bank utilizes third party sources such as credit bureaus and other creditors.
Jersey State Bank maintains information about your transactions with us including account balances, securities holdings, repayment history and other information.
How is this information used?
Primarily, the collected information is used to perform basic banking business functions and provide superior customer service. The information allows us to offer specific products and services that we believe will be most useful to you.
Who has access to this information?
Jersey State Bank employees are permitted access to the information needed to perform their jobs. The bank maintains strict internal policies against unauthorized disclosure or use of customer information.
In accordance with standard banking industry practice, and as provided for under applicable federal and state law, Jersey State Bank routinely provides information about our transactions and experiences with customers (in particular about loan repayment experience) to credit bureaus and other creditors.
There are certain federal and state statutes that require disclosure of information about our customers. For example, if a customer is involved in litigation with a third party, a court may order Jersey State Bank to disclose information to a court or another litigant. In such circumstances, only the specific information required by law, subpoena or court order will be disclosed.
Online Policy
Jersey State Bank recognizes your need and expectation for confidentiality and security of personal financial information.
Certain personal information about visitors to this Web site is being collected by Jersey State Bank when it is helpful to maintain and administer financial services or to provide you with additional products, services and opportunities.
We pledge that Jersey State Bank will not release your personal data to anyone else without your consent - period.
We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you is correct. You may review the information we collect about you and correct any errors in that information. We will respond to a written request to correct inaccurate information in a timely manner.
Jersey State Bank employees are educated so that they will understand the importance of confidentiality and customer privacy. Appropriate disciplinary policies help to enforce employee privacy responsibilities. If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by writing to M. Susan Becker, Executive Vice President and Cashier, with any questions regarding employee handling of your personal information.
Jersey State Bank maintains appropriate security standards and procedures regarding unauthorized access to customer information. Our technology center constantly updates and improves upon the protection of information. You should never send confidential information, such as account numbers, by e-mail.
Specific information about your accounts or other non-public, personally identifiable data are not revealed to unaffiliated third parties for their independent use unless (1) you request or authorize it by agreement or otherwise; (2) the information is provided to reputable credit bureaus or similar information reporting agencies to maximize the accuracy and security of such information; (3) the information is provided to help process your transactions, verify information you provide to us or perform any of our obligations to you; or (4) the disclosure is required or allowed by law (e.g. subpoena, investigation of fraudulent activity, enforcement of obligations to us, etc.). In addition, Jersey State Bank sometimes provides personally identifiable information about you or specific information about your accounts to third parties, such as vendors or service companies that we contract with in order to make available to you certain services or products, such as electronic bill paying. These parties agree to safeguard our information about you and must abide by applicable law.
If or when personally identifiable information is provided to a third party, Jersey State Bank insists that the third party adhere to similar privacy principles that provide for keeping such information confidential.
