Privacy & Security Notice

FACTS WHAT DOES Decorah Bank & Trust Co. and Cresco Bank & Trust Co. 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:

  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores

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 Decorah Bank & Trust Co. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Decorah Bank & Trust 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
No We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call 563-382-9661 or go to decorahbank.com or crescobank.com
Who We Are
Who is providing this notice? Decorah Bank & Trust Co.
Cresco Bank & Trust Co., a division of Decorah Bank & Trust Co.
What We Do
How does Decorah Bank & Trust Co. 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 restrict access to non-public information about you to employees who need to know that information to provide services to you.
How does Decorah Bank & Trust Co. collect my personal information? We collect your personal information, for example, when you

  • open an account or make a deposit
  • pay bills or use your debit card
  • apply for a loan

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 non financial companies.

  • Decorah Bank & Trust has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Decorah Bank & Trust Co. doesn’t share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Decorah Bank & Trust doesn’t jointly market.
Other important information