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Privacy Notice

Rev January 2020

FACTS WHAT DOES ANB BANK DO WITH YOUR PERSONAL INFORMATION?
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.
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 and checking account information
  • Account balances and payment history
  • Transaction history and overdraft history
When you are no longer our customer, we continue to share your information as described in this notice.
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 ANB Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does ANB Bank 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 Yes No
For our marketing purposes — to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliatesʼ everyday business purposes — information about your transactions and experiences Yes No
For our affiliatesʼ everyday business purposes — information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 1-866-433-0282 or your local banking center, or go to www.anbbank.com.
What we do
How does ANB Bank 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.

We restrict access to your personal and account information to our employees who need to know that information to provide products/services to you. We regularly assess our security standards.
How does ANB Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit money
  • Apply for a loan or use your credit or debit card
  • Make deposits or withdrawals from your account
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 affiliatesʼ everyday business purposes–information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates are Sturm Financial Group, Inc. and its and ANB Bank's subsidiaries.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • ANB Bank does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include credit or debit card processors and investment or retirement advisors.

Click here for a downloadable version of the Privacy Notice.