At Elkhart State Bank, the basis of each customer’s relationship, many of which span generations, is trust.  You have chosen to do business with Elkhart State Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.  We believe that your privacy should not be compromised.  At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.  We believe we can do both through the privacy policy outlined below.

At Elkhart State Bank, we believe the confidentiality and protection of customer identification is one of our fundamental responsibilities.  And while information is critical to providing quality service, we recognize that one of our most important assets is our customer’s trust.  Thus, the safekeeping of customer information is a priority of Elkhart State Bank.

Information about consumers is accumulated from a variety of sources.  Some information is provided to Elkhart State Bank directly by customers themselves.  Other data is developed by Elkhart State Bank as a function of providing a product or service to a customer.  Still other information is obtained from outside sources.  We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers.  This means that we will use information to help us identify and mitigate potential risks or loss to Elkhart State Bank.  Information may be used to help identify additional products or services which we believe customers might want to know about.  This information will be used only in accordance with the principles set out in this policy.

We continually strive to maintain complete and accurate information about you and your accounts.  Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us.  We will investigate your concerns and correct any inaccuracies.

At Elkhart State Bank employees access to personally identifiable customer is limited to those with a business reason to know such information.  Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles.  Because of the importance of these issues, all Elkhart State Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Elkhart State Bank is committed to the security of your financial and personal information.  All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties.  We maintain and grant access to customer information only in accordance with our internal security standards.

Web Site Privacy 

Our Web Site includes only public sections (not password protected).  

When any person visits the public areas of our Web Site, we may collect certain basic information such as how many people visited our site and what pages were visited.

Unlike the personal information that you provide with respect to your personal banking relationship (which is subject to the security procedures described above), all of the information we may gather in the public areas of our Web Site is general.  We use this general information to determine which parts of our Web Site are most popular, how people access our site, how we can improve the content of our Web pages and how we can improve service to our customers.

Also included in Elkhart State Bank’s Web Site is the capability for you to correspond with us.  This correspondence, via e-mail, may be for the purpose of asking general questions, requesting literature, or responding to bank promotions.  These activities may include sharing some personal information about you with Elkhart State Bank.  We collect the e-mail addresses of those who correspond with us via e-mail and any information you provide us, for example site registration and survey information.

WHETHER OR NOT YOU ARE A CUSTOMER OF ELKHART STATE BANK, WE WILL COLLECT PERSONAL INFORMATION FROM YOU IF AND ONLY IF, YOU VOLUNTARILY PROVIDE THAT INFORMATION TO US.  IT IS OUR POLICY THAT WE WILL NOT SELL OR RENT CUSTOMER INFORMATION TO ANY UNAFFILIATED THIRD PARTY FOR MARKETING PURPOSES

When it comes to sharing customer information with unaffiliated companies, Elkhart State Bank places strict limits on who receives specific information about customer accounts or other personally identifiable that may benefit our customers.  Whenever we do this, we carefully review the company and the product of service to make sure that it provides value to our customers.  We share the minimum amount of information necessary for that company to offer its products or service.

We may also share information with unaffiliated companies when : 
they assist us in providing our products and services to our customers; it is legally required by court order or permitted in connection with fraud investigations and litigation;  in connection with acquisitions and sales; and at the request or with the permission of the customer.

Elkhart State Bank recognizes and respects the privacy expectations of our customers.  We want our customers to understand our commitment to privacy in our use of customer information.  As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers.  Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call The Elkhart State Bank at (903) 764-2243.
 
Further Information Regarding Elkhart State Bank’s Privacy Policy

This statement addresses our policies including Internet information and internal customer information.  Additional inquiries or comments should be addressed to:

Compliance Officer
Elkhart State Bank
P.O. Box 427
Elkhart, Texas 75839

THE ELKHART STATE BANK IS CHARTERED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE TEXAS DEPARTMENT OF BANKING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST THE ELKHART STATE BANK SHOULD CONTACT THE TEXAS DEPARTMENT OF BANKING THROUGH ONE OF THE MEANS INDICATED BELOW:

THE ELKHART STATE BANK ALSO ENGAGES IN THE BUSINESS OF SELLING CHECKS AS AN AGENT FOR A COMPANY LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND SUBJECT TO REGULATORY OVERSIGHT BY THE TEXAS DEPARTMENT OF BANKING. ANY CONSUMER WISHING TO FILE A COMPLAINT CONCERNING SALE OF CHECKS ACTIVITIES SHOULD CONTACT THE TEXAS DEPARTMENT OF BANKING.

CONSUMERS MAY FILE COMPLAINTS WITH THE TEXAS DEPARTMENT OF BANKING BY CONTACTING THE DEPARTMENT THROUGH ONE OF THE MEANS INDICATED BELOW:

IN PERSON OR U.S. MAIL: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294

TELEPHONE NO.: 877-276-5554

FAX NO.: 512-475-1313

EMAIL: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

WEBSITE: www.banking.state.tx.us