At AVB, we recognize our obligation to keep information about you confidential and secure. Your right to personal and financial privacy is our priority. For your protection, we pledge to:
- Use your personal information to provide high quality and convenient products and services with the highest level of customer service
- Never sell confidential customer information
- Share information only with AVB approved third parties
- Provide accurate records of your accounts and applications based on your account history and the information you have provided to us
- Require verification and authentication of identification before disclosing information
- Provide you the opportunity to tell us you don't want to receive direct marketing offers from us
- Provide security for information and systems
- Comply with all privacy regulations and laws
Collection And Use Of Financial Information
To improve customer convenience, AVB provides several ways in which our customers can conduct their banking business. One of these options is to bank online over the Internet at www.bankavb.com . Through AVB Online our customers are able to access personal financial information including account balances, transaction history and check images. In addition, customers can transact their banking business including transfer of funds, order checks, request account maintenance and pay bills.
In addition to traditional banking means, we gather and utilize various types of information through our website and through our secure banking system. Much of this information is provided by the customer and we may verify it by outside third parties. We collect only information that is required to evaluate a request by you, offer you a service or to maintain your accounts. Information we may collect from third parties is often available from public records, demographic and survey information sources, credit reporting agencies as well as income, employment or other confidential information you provide to us. Types of information we collect includes:
- Information provided by you on applications, surveys or other means. This includes identification, contact information, income, assets and debts.
- Information from consumer reporting agencies that reflect your credit and payment history.
- Information from outside sources regarding your employment, credit history or other relationships with you for the purpose of verification of information you have provided to us. This would include employment history, credit history, loan balances, insurance coverages and contact information.
- Information regarding your accounts and history with us. This would include account balances, transaction history, payment history, correspondence or other communications with you, transaction parties and use of products or services.
- Information of a general nature that may not be used to qualify you for credit or other products and services such as demographic information.
We use this information to service your accounts, to qualify you for financial products or services and to package banking services that fit your individual needs.
Applications for new accounts or services, online banking enrollment, and general surveys completed online require you to provide personal information that is necessary for us to process your application. To ensure that your application remains confidential, the information is sent to us over a "secure session" established with Secure Socket Layer (SSL).
The information you provide to us via the Internet, along with information you have authorized us to collect from outside sources, will be maintained and used so that we can offer you accounts and services related to your financial needs. After you have submitted your application online, we recommend that you end your browser session before leaving your computer.
The information you provide on surveys and promotions on our Website will be used for internal marketing purposes, including developing Website information and services that you may find helpful. In addition, we may inform you of new AVB accounts and services based on the information you provide to us.
Planning Tools, Calculators and Links to Other Sites
There are many financial planning tools located throughout our website site and to assist our customers in handling their accounts and making financial decisions. We encourage customers to use these valuable tools in financial planning and transacting their business. Payment calculations may vary slightly from quotes you may receive from a banking associate. AVB does not collect or have access to the information you may enter into financial planning tools and calculators on our website. For customer convenience, links to other interesting and informative sites are available on our website. Links that may be of interest to customers include those for financial planning and banking as well as local information about the communities we serve. These sites are operated and maintained independently of AVB and as such, we do not control information on other Internet sites and we disclaim any liability for the content of sites linked from www.bankavb.com.
Email is a convenient way to communicate between AVB and our customers. To improve the security of email transmissions, emails sent to us should be sent using AVB's secure email form. Since our response back to you is not secure, we will not include confidential account information in our response. AVB makes every effort to ensure that our online banking system is secure, however the Internet is inherently insecure and electronic mail that occurs openly on the Internet can potentially be monitored and read by others. We cannot and do not warrant that all e-mail transmitted to and from us, will not be monitored or read by others. To meet statutory and legal requirements and to better service your banking needs, we may retain the content of your email communications, your email address and our response(s). We may contact you by email if we think that a particular AVB account or service might be of interest to you.
If we ask for personal information on our website, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it is virtually impossible for anyone other than AVB to read it. In some areas of our online banking we employ the use of "cookies" for additional security. A "cookie" is a small text file placed on your hard drive by our server. Cookies are commonly used to provide additional security and do not harm your system. You determine if and how a cookie will be accepted through configuring your preferences or options in your browser. Cookies are used to determine if you are a recognized user of online banking. They do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. A more detailed description of our online security in provided at our website at www.bankavb.com or upon enrollment in online banking.
Protecting Online Banking Security and Privacy
When you bank online with AVB, we have access to your information. In addition, third party provider of services may also have access to your information. This information may be retained on our, or third party systems in order to provide you with necessary service. We use state-of-the-art Internet technology, supported by the outside companies we work with, to keep online banking secure and to protect your financial information. We require a login ID and secure password before providing access to your accounts. Without this information, we cannot and will not establish banking service or information access for you.
What You Can Do to Safeguard Your Financial Privacy Online
You have a significant role in preventing misuse of your confidential financial information and bank accounts. You should monitor your banking statement(s), notices and other correspondence immediately upon receiving these from the Bank. You should protect the confidentiality of your account(s), account number(s), personal identification numbers (PINs), passwords, login IDs or other identifying numbers including driver's license number and social security number. Personal identification information by itself, or together with information related to your account, may allow unauthorized access to your information or account(s). You can also help maintain the security of your banking information by not sharing your login ID, password, account information or numbers with anyone. You should change your password regularly and properly log off the system after each use. CONTACT US AT ONCE at firstname.lastname@example.org if you believe your private financial information has been secured by an unauthorized party or has been compromised in any way. This would include loss, theft or other means by unauthorized parties of gaining access to your information.
Protecting children's privacy
We do not knowingly solicit data from children nor do we knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
Communications With AVB
Telephone: (918) 251-9611
Fax: (918) 259-2745
302 S. Main
Broken Arrow, OK 74012
PO Box 130
Broken Arrow, OK 74013-0130