Last Updated: June 2021
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What does YNB 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:
Account Balances
- Checking Account Information and Payment History
- Overdraft History and Transaction or Loss 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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reason YNB chooses to share; and whether you can limit this sharing.
Reasons we can share you personal Information
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- YNB Shares this information. You CAN NOT limit this sharing.
For our marketing purposes—to offer our products and services to you.
Yes- YNB Shares this information. You CAN NOT limit this sharing.
For joint marketing with other financial companies
No- YNB DOES NOT share this information.
For our affiliates’ everyday business purposes—information about your transactions and experiences
No- YNB DOES NOT share this information
For our affiliates’ everyday business purposes—information about your creditworthiness
No- YNB DOES NOT share this information
For nonaffiliates to market to you
No- YNB DOES NOT share this information
QUESTIONS? Call 405-350-1335
YNB is providing this notice.
How does YNB 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 YNB collect my personal information?
We collect your personal information, for example, when you
- apply for a loan or make a wire transfer
- make deposits or withdrawals from your account
- open an account or pay us by check
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 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.
YNB does not share with our affiliates.
Nonaffiliates- Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
YNB does not share with non-affiliates to market to you.
Joint marketing– A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
YNB does not jointly market.