Welcome to Watkins Savings Bank

FACTS

WHAT DOES THE WATKINS SAVINGS 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
Account balances
Transaction history
Credit history
Overdraft history
Checking account information

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 The Watkins Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The Watkins Savings 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

For our marketing purposes – To offer our products and services to you.

Yes

For joint marketing with other financial companies.

Yes

For our affiliates’ everyday business purposes – information about your transactions and experiences.

We don't share

For our affiliates’ everyday business purposes – information about your creditworthiness.

We don't share

For non-affiliates to market to you.

We don't share

Questions? Call 319-227-7773 or go to www.watkinsbank.com

What do we do
How does The Watkins Savings 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.
How does The Watkins Savings Bank collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Use your credit or debit card Provide your mortgage information Make a wire transfer 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 affiliates’ everyday business purposes – information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates 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. The Watkins Savings Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. The Watkins Savings 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 a credit life and disability insurance company.

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