Privacy Policy

State Bank ("State Bank," "we," "us," or "our") is committed to protecting your privacy and safeguarding the personal information you share with us. This Website Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website or interact with us online.

This policy also incorporates the federally required privacy practices for financial institutions as disclosed in our Consumer Privacy Notice.

1. Information We Collect

A. Information You Provide Directly

We collect personal information you voluntarily provide through web forms or direct communication, including:

• Name, address, phone number, and email
• Account-related inquiries
• Loan or service application information
• Any other information you choose to submit

B. Information Collected Automatically

When you visit our website, we automatically collect technical information such as:

• IP address
• Browser and device information
• Pages visited and time spent on the site
• Cookies, pixel tags, and similar technologies
• Website usage analytics

2. Financial Information We Collect

If you hold a financial product or service with us, federal law requires that we inform you that we may collect:

• Social Security number and income
• Account balances
• Transaction history
• Credit history and credit scores
• Payment history

3. How We Use Your Information

We use collected information to:

• Provide and manage your accounts
• Process transactions and support services
• Improve website experience and performance
• Communicate with you regarding products or inquiries
• Enhance security and prevent fraud
• Comply with legal, regulatory, or court requirements

4. How We Share Your Information

A. Website and Operational Sharing

We may share limited information with trusted third-party vendors who help us operate our website, protect our systems, or deliver online tools.

We do not sell personal information and do not share your data for unrelated third-party marketing.

B. Financial Privacy Sharing (Required Disclosure)

According to our Consumer Privacy Notice:

• We share personal information only for everyday business purposes such as processing transactions, maintaining accounts, responding to court orders, or reporting to credit bureaus.
• We do not share your information for marketing, joint marketing, affiliate marketing, or with non-affiliates for marketing.
• You cannot limit sharing for everyday business purposes, but we do not engage in any optional sharing categories.
• State Bank has no affiliates, and does not jointly market with third parties.

5. Cookies and Tracking Technologies

We may use cookies, analytics tools, and similar technologies to:

• Understand website usage
• Improve functionality and user experience
• Enhance site security

You can disable cookies through your browser settings, though some site features may not work properly.

6. How We Protect Your Information

We use security measures that comply with federal law, including:

• Computer safeguards
• Secure files and buildings
• Employee confidentiality procedures
• Internal controls to prevent unauthorized access

7. How We Collect Personal and Financial Information

We collect information when you:

• Open an account or deposit money
• Pay bills or use your debit or credit card
• Apply for a loan
• Interact with us in person, by phone, or online

We may also collect information from credit bureaus, affiliates, or other companies.

8. Your Rights and Choices

Depending on how you interact with our website, your options may include:

• Opting out of marketing emails
• Restricting cookies through your browser
• Contacting us to correct or update personal information

Financial Privacy Rights

Federal law allows customers to limit only:

• Sharing for affiliates' creditworthiness purposes
• Affiliate marketing
• Sharing with non-affiliates for marketing

State Bank does not engage in any of these forms of sharing.

9. Third-Party Links

Our website may include links to third-party websites. We are not responsible for their content, privacy practices, or security. We encourage you to review the privacy policies of any external websites you visit.

10. Children's Privacy

Our website is not directed toward children under the age of 13. We do not knowingly collect information from children.

11. Updates to This Policy

We may update this policy occasionally. If we make changes, we will update the "Last Updated" date at the top of this document.

12. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

If you believe we have reported inaccurate information to a consumer reporting agency, please notify us in writing at either branch address.