Privacy Policy Disclaimer

Privacy Policy/Disclaimer/Security

Privacy policy overview

PeoplesBank does not and will not sell mailing lists or the financial information of its customers.

We maintain physical electronic and procedural safeguards in compliance with federal standards.
Your nonpublic personal information will not be disclosed to non-affiliated third parties, except as permitted by law.
Only those employees who need to know nonpublic personal information about you in order to provide products or services to you will have access to it.
We collect nonpublic personal information from the applications you submit requesting banking services.
We do not disclose nonpublic personal information about former customers, except as permitted by law.

Sharing of information.

Although federal law allows us to disclose nonpublic personal information we receive from you on an application or other forms to companies that perform marketing services on our behalf, we only allow direct mail solicitations for bank products.
We may disclose nonpublic personal information such as name and address to nonaffiliated third parties as permitted by law.

The information that we collect.

Nonpublic personal information is gathered from the following sources:

Information we receive from you on applications or other forms.
Information about your transactions with us.
Information about your transactions with our affiliates.
Information about your transactions with non-affiliated third parties.
Information from a consumer reporting agency.

Find out more.

At PeoplesBank, we take your privacy personally. If you have questions about your privacy rights or our policy, please feel free to contact us.

Definition of terms.

Nonpublic personal information — necessary information that we collect about you when providing financial products or services (does not include information from public sources, such as telephone directories or government records).
Affiliate — a company that we own or control, or a company that is owned or controlled by the same company that owns or controls us.
Nonaffiliated third party — a company that is not an affiliate of ours.
We, our, and us — when used in this brochure mean PeoplesBank.
You and your — mean all of our consumer customers who have a continuing relationship with us, such as: deposit accounts, loan account, safe deposit box, retail installment contract we hold and service, or self-directed Individual Retirement Account where we act as custodian or trustee.

Respecting and protecting your personal information.

At PeoplesBank, respecting and protecting the personal information you share with us is an important part of the high level of personal service we provide. You can trust us to always maintain the highest ethical standards of confidentiality and discretion. It's one more way PeoplesBank is committed to meeting your financial needs.

Disclaimer

Access to or use of the PeoplesBank website constitutes consent to the following terms:

Interest rates, terms and other information are subject to change without notice. Full disclosure of product terms and conditions is provided upon request before opening an account by calling 413.538.9500. PeoplesBank makes no expressed or implied warranty regarding the information or data presented on this web site. PeoplesBank hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this web site.

Security - Protect yourself from scams

Scammers use several different methods to try and lure you into giving them the personal financial information they require, to commit fraud and theft. These methods include seemingly “official” email messages, phone calls, and even text messages from your banking (as well as credit card) institutions, stating problems with your account in various ways, to create a sense of legitimacy and urgency for action.

Phishing: the criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication, which is typically email.

Vishing: the criminal practice of using social engineering over the telephone system, most often using features facilitated by Voice over IP (VoIP), to gain access to private personal and financial information from the public for the purpose of financial reward.

Smishing: a form of criminal activity using social engineering techniques similar to phishing. The name is derived from "SMs phISHING". SMS (Short Message Service) is the technology used for text messages on cell phones.

PeoplesBank will never ask for any sensitive information from their customers in these ways, and we urge you to be suspicious of any e-mail, text message, or caller, asking you to “verify account information.” If you ever have any doubts as to the validity of these communications, please keep the following points in mind:

Never give out your personal financial information in response to an unsolicited phone call, text, fax or email, no matter how official it may seem.
Do not respond to email that may warn of dire consequences unless you validate your information immediately. Contact PeoplesBank to confirm the email's validity using a telephone number or Web address you know to be genuine.
Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies to PeoplesBank immediately.
When submitting financial information online, look for the padlock or key icon at the bottom of your Internet browser. Also, many secure Internet addresses, though not all, use "https" to signify that your information is secure during transmission.
Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
If you have responded to a phone call, text, fax or email, contact us immediately so we can protect your account and your identity.

For more information, visit the American Banker’s Association’s website at ABA.com