Privacy Policy

What Does West Central Bank Do With Your Personal Information?

Rev. Date 8/16

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 transaction history Account balances and overdraft history Payment history and 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 West Central Bank chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does West Central 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	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes– information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes– information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share

Questions
Call 217-476-3325 or go to westcentralbank.com

Who We Are
Who is providing this notice?	West Central Bank

What We Do
How does West Central 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 limit access to information to those employees for whom access is appropriate.
How does West Central Bank collect my personal information?	We collect your personal information, for example, when you Open an account or show your government-issued UD Apply for a loan or show your driver's license Give us your contact information 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. See below for more on your rights under state law. 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 non-financial companies. Our affiliates include financial companies such as: West Central Insurance and West Central Bank Financial services
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. West Central Bank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. West Central Bank does not jointly market.

Other Important Information
For Illinois Customers: We will not share personal information with non-affiliates without your authorization.

Printable version of our Privacy Notice