protect Customer information. Applied Bank (herein referred to
as Bank, we, us or our) respects your decision to do business with
you with an opportunity to make informed choices about the
management of personal information. You trust us with your personal
and financial information and we'll honor that trust by handling
help you understand how we safeguard and use information, and how
it applies to all Customers or former Customers who obtain
financial services from us for personal, family or household
purposes. Similarly, our Customers who receive information from us
or transact business with us through the Internet are covered by
additional privacy policies on our websites.
Disclosures to Service
Disclosures to Provide
You with Offers for Products and Services
Offers for Products and
Services of Other Companies
Vermont Residents Only
Protecting Our Children
Commitment to Service
Online Privacy Addendum
Links to Third Party Websites
Collection of Information
We collect information from and about you in order to identify
you as our Customer, establish and manage Customer accounts,
complete Customer transactions, understand Customer needs, market
products and services we believe are of value to Customers, and
comply with legal and regulatory requirements. We collect and
obtain Customer information from various sources including the
- Information listed on credit applications or other related
- Information listed on deposit account opening forms
- Enrollment in the Bank's online account services
- Credit reporting agencies
- Customer transactions with us or other institutions
- Customer communications with the Bank or any of its affiliates
- Public information
We are committed to maintaining the security of our
Customers’ financial and personal information. All
operational and data processing systems are in a secure environment
that protects Customer information from being accessed by
unauthorized individuals or third parties. Access to nonpublic
information about you is restricted to those Associates who need to
know that information in order 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. Correspondence and telephone conversations are
monitored for quality, compliance, and accuracy to ensure that our
standards are being followed.
From time to time, we may enter into agreements with other
companies to provide services to us or to make products and
services available to you. Under these agreements, the companies
may receive information about you. They must safeguard this
information, and they may not use it for any other purpose.
Disclosures to Service Your Account
It is often necessary for us to disclose Customer information to
companies, including our affiliates, which perform services
necessary to establish and manage Customer accounts on our behalf.
These services may include transaction and statement processing,
research and analysis, delivery of benefits and programs, marketing
services, card issuance, Customer Service, and protection against
fraud. Additionally, if we offer Customers the opportunity to
enroll in affinity, frequent user, or award programs, we may
provide certain Customer information to companies that administer
such programs. When it comes to disclosing Customer information to
others for the purpose of establishing and managing Customer
accounts, we place limits on who receives specific information. We
disclose to these companies information that they need to establish
and manage Customer accounts and restrict the use of that
information so that it cannot be used for any purpose beyond the
intended service. We may also provide certain Customer information
to others outside of the Bank as required or permitted by law, such
as to government entities, other third parties in response to
subpoenas, or to consumer reporting agencies.
Disclosures to Provide You with Offers for
Products and Services
We do not disclose any Customer information to anyone, except as
permitted by law. However, we recognize that an important benefit
for our Customers is the opportunity to receive offers for products
and services from other companies that may work with us. In the
future, we may provide these offers to Customer when we believe
they will find them of value. These offers will be developed under
conditions designed to safeguard Customer information.
Offers for Products and Services of Other
non-affiliated companies that help us service your account, and
disclose information to these companies as permitted by law. In the
future, we also may work with other companies to provide our
Customer with offers for products and services that they provide.
These other companies may include financial service providers (that
offer for example, insurance, loan and investment products) and
non-financial companies (that offer for example card registries,
membership clubs, and other consumer products and services). Unless
you direct us not to, we may disclose information about you to
those companies to enable them to develop and deliver these offers
If you prefer, you may tell us not to disclose information about
you to other companies for the purpose of providing you with their
products and services; you can write to the Bank c/o P.O. Box
17125, Wilmington, DE 19850-7125 (“opt-out”). Please
include your Applied Bank Account Number(s) in your letter. If
you opt out, everyone associated with your account will be excluded
as well. If you have more than one account with us, you may receive
need to separately opt-out of this information disclosure for each
of your accounts with us.
If you opt-out, you may still receive offers for products and
services provided by affiliated or non-affiliated companies when we
communicate with you about your account. These offers, however,
will be developed without disclosing information about you to the
other companies. You may also still receive offers that are
developed without the use of information that we have collected
Vermont Residents Only
We will not disclose information about you to other companies
for the purpose of providing you with their products and services
unless you authorize us to do so (“opt-in”). You may
opt-in by writing to the Bank c/o 17125, Wilmington, DE 19850-7125
or by contacting our Customer Service Department at (800) 947-1090.
Even if you do not opt-in, you may still receive offers for
products and services provided by affiliated or non-affiliated
companies when we communicate with you about your account. These
offers, however, will be developed without disclosing information
about you to the other companies.
If you elect to opt-in and subsequently decide to revoke the
opt-in direction you have given to us, you can write to the Bank
c/o P.O. Box 17125, Wilmington, DE 19850-7125 or contact our
Customer Service Department at (800) 947-1090.
Protecting Our Children
We do not knowingly market to children. We recognize the
importance of protecting children's identities and privacy.
If you decide to close your account or your account becomes
inactive or is closed for some other reason, we will continue to
treat and safeguard your information as described in this Privacy
Commitment to Service
We believe the confidentiality and protection of Customer
information is one of our fundamental responsibilities. While
information is critical to providing quality service, we recognize
that one of our most important assets is our Customers’
trust. Thus, the safekeeping of Customer information is a priority
for us. We will continuously strive to maintain complete and
accurate information about our Customers and their accounts. If you
believe that our records contain inaccurate or incomplete
information about you, it is important that you notify us as soon
as possible. We will investigate your concerns and correct any
posted or delivered to you. We reserve the right to change this
required by law.
Online Privacy Addendum
This document is an addendum to the Applied Bank Privacy
Policy covering our Customers who receive information or transact
business with us over the Internet.
Through our website, we strive to provide valuable information
to you about the Bank and how we may serve you. In addition, we
make available timely updates on new products, services, locations,
and Customer Service hours for our valued Customers. We also provide
timely account information for users of online account services and
the ability to make online payments.
We safeguard all information our Customers share with us through
We collect and store information about the name of the domain
(such as Compuserve.com or AOL.com) from which you access the Internet,
the date and time you access our site, and the Internet address of the
website from which you linked to us. While you use our site, we collect
other information regarding your browser and operating system, the amount
of time you spend and links you use on each page, and the address to which
you go when leaving our site. This information simply enables us to tell
which areas of the site are of most interest to our users, which avenues
of site promotion are most effective, and the volumes and times of peak
website usage. We collect, retain, and use information about you for the
purpose of serving your financial needs and administering our account relationships.
Any information you choose to provide us may be used to improve the content
and services offered on our website, as well as to contact you with more information
about our products, services, or upcoming events.
In order to provide better service or to address security matters, we
may occasionally use a "cookie." A cookie is a small piece of information that a
website stores on your web browser and can later retrieve. The cookies, which provide
added convenience to the user, will be used by us for administrative purposes only.
Most cookies last only through a single visit to our site. None of the cookies will
contain information that will enable anyone to contact you.
Links to Third Party Websites
The Applied Bank website contains links to, and may be linked from, third
party websites, which are not under the control of Applied Bank. Applied
Bank makes no representations whatsoever about any other website to which you may
have access through, or to, the Applied Bank website. When you access a non-Applied
Bank website, you do so at your own risk, and Applied Bank is not responsible
for the accuracy or reliability of any information, data, opinions, advice, or statements
made on these sites. Applied Bank is not responsible for updating or correcting false
or misleading information on any third party website. Applied Bank provides these
links merely as a convenience, and the inclusion of such links does not imply that Applied
Bank endorses or accepts any responsibility for the content or uses of such websites.
Furthermore, any opinions expressed on any third party website are not necessarily those of
Your Online Security
One of our highest priorities for Online Account Services is to ensure your privacy
and peace of mind by employing some of the most advanced online security measures in the
Once you enroll in AB Online Account Services, you will be able to use a self-selected
username and password that serves as our first line of defense.
Whenever we ask you to send confidential information over the Internet, we require that
a "secure session" using Secured Socket Layer (SSL) be established. SSL is a software-based
security protocol that encodes data before it is transmitted over the Internet. The use of SSL
requires that you have a browser that is SSL compatible. At a minimum, we require the use of
a browser equipped with 128-bit encryption to ensure the privacy of your information. You
can upgrade your browser by visiting the following websites:
An icon, such as a lock or key, will be displayed in the corner of your browser's
window to let you know that your browser's encryption is active.
In addition, we have extensive and sophisticated security measures in place to
protect our servers, databases, and communication lines. Our systems are monitored
24 hours a day, seven days a week to ensure their continued integrity.
We engage in regular internal and external reviews of our online banking processes,
security procedures, and technologies. We also must meet the standards established by
regulatory agencies that perform periodic examinations. This attention to security helps
ensure the safety of your account information and online transactions.
The best security measures are those that support your privacy without hindering
your access to account information. You can rest assured that your account information
You can also ensure the security of your information by following these steps:
- Never reveal your username and password to anyone.
- Change your password frequently using the "Change Password" function.
- Always select passwords that cannot be easily guessed.
- Always sign out before walking away from your computer.
- Always sign out before accessing other websites.
- Read more about online security in Account Security.
We reserve the right to change this Online Privacy Addendum and our information
collection activities for this website at any time by modifying and posting a new
All information on this website is protected by copyright in the
United States of America and in other countries. Unless otherwise
specified, no one has permission to copy or republish, in any form,
any information found on this website.
The posting of information or other materials to this website
does not constitute a waiver of any proprietary right in such
information and materials (such as, but not limited to, copyright,
service marks, trademarks, trade names, or other intellectual
property) and does not transfer any rights to a user of the website
or any other third party, except as expressly provided herein.
All content on Applied Bank's website is owned by Applied
Bank. Any changes to the site are made solely through the
Bank's request and are completed by Applied Bank or entities
that we have authorized only. Any credit card application, Certificate
of Deposit Account Opening Form, or Money Market
Account Opening Form that is altered in any way will not be
Applied Bank is not responsible for system errors on your
computer that prevent the Bank's website from loading or operating
properly. If an error is discovered within Applied Bank's
website itself or due to a problem at the Bank's Internet Service
Provider, Applied Bank and the Internet Service Provider will
correct the error as soon as possible.
This is an official website of Applied Bank.