Privacy Statement

At Stockmans Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Stockmans 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.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;

Information about your transactions with us, or others; and

Information we receive from a third party, such as a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you.  This could include information such as account balances, payment history, and overdraft history. We do not disclose any nonpublic personal information about you to anyone, except as permitted by the law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Stockmans 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 our bank at (580) 676-3921.

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Identity theft and account fraud are making big headlines.  They happen when someone steals personal information such as your bank account number or Social Security number and then poses as you, either cleaning out your account or running up debt in your name or both. The threat is real, and the government estimates 400,000 people are victimized by these crimes each year.

Your bank works hard every day to ward off these threats, but maximum security is possible only with your help. Here's what you can do to stop these crimes before they happen - and protect your assets and your good name:

1.  Don't give out financial information such as checking and credit card numbers - and especially your Social Security number - on the phone unless you initiated the call and know the person or organization you're dealing with. Don't give that information to any stranger, even one claiming to be from your bank.

2. Report lost or stolen checks immediately. Your bank will block payment on the check numbers involved. Also, review new deliveries of checks to make sure none has been stolen in transit.

3. Store cancelled checks - and new checks - in a safe place.

4. Notify your banker of suspicious phone inquiries such as those asking for account information to "verify a statement" or "award a prize".

5. Guard your ATM Personal Identification Number and ATM receipts.  Thieves can use them to access your accounts.

6. Don't throw away financial solicitations that arrive in your mailbox. Tear them up so thieves can't use them to assume your identity.  Tear up any other financial documents such as bank statements or invoices before disposing of them.

7. Don't put outgoing mail in or on your mailbox. Drop it into a secure, official Postal Service collection box. Thieves may use your mail to steal your identity.

8. If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your information to his or her address.

9. If your bills include suspicious items, don't ignore them.  Instead, investigate immediately to head off any possible fraud before it occurs.

10. Periodically contact the major credit reporting companies to review your files and make certain the information is correct.  For a small fee, you can obtain a copy of your credit report at any time.  The three major credit bureaus are:

Equifax - 800-685-1111
Experian - 800-682-7654
TransUnion - 800-916-8800

Together, you and your bank can head off identity theft and account fraud before they ever happen.  The bottom line:  If you have any questions or concerns about protecting your financial identity, come in and visit your banker

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