Privacy Policy/Security Issues

At International Bank of Amherst , we have always recognized and respected our customers' expectations that we protect personal and financial information. We know that this is the cornerstone of trust and a good relationship. We have no intention of sharing your information with any third party. We have developed a Privacy Policy which is available below. There are several good websites with information about Identity Theft and electronic fraud. Click here to go to our FYI Page for suggestions concerning your personal security, articles about the issues, and links to governmental and law enforcement sites.

Privacy Policy

Important Information About the Personal Data IBA Collects, and How it is Used

To assure the continued privacy and confidentiality of your personal financial information, the International Bank of Amherst observes these practices and procedures:

Information we collect
We collect nonpublic information about you from some or all of the following sources:
Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others; and
Information we receive from a consumer reporting agency.

Information we Disclose
We do not disclose any nonpublic personal information about our customers and former customers to affiliates or non-affiliated third parties except as permitted by law.

Our Security Measures
We restrict access to nonpublic 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 regulations to guard your nonpublic personal information.


Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the state of Wisconsin.

Funds Availability Policy

NOTICE in accordance with Federal Regulation CC we need to inform you of our policy regarding your rights to draw funds against deposits you have made to any transaction account at our institution.

Our Funds Availability Policy is outlined below.

YOU SHOULD KNOW THAT:

Our policy is to make funds from your deposits available to you on the first business day after the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that the day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. on a business day that we are open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited.

LONGER DELAYS MAY APPLY

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the ninth business day after the day of your deposit.

Annual Disclosure Statement

Notice of Availability

Financial information about the International Bank of Amherst is available to our customers, shareholders, and the general public on request.

In accordance with federal regulation to facilitate more informed decision making by depositors, and the general public, we will provide an Annual Disclosure Statement containing financial information for the last three years. This information will be updated annually and available by February 15 th .

To obtain a copy of the Annual Disclosure Statement please contact:

H B Pomeroy, President 715-824-3325
International Bank of Amherst
PO Box 39
Amherst WI 54406

Community Reinvestment Act Notice

Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of our community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.

You should know that:

  • You are entitled to certain information about our operations and our performance under the CRA including, for example, information about our branches, such as their location and services provided at them; the public section of our most CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our response to those comments. You may review this information at 103 South Main Street , Amherst , WI 54406 .
  • At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of all banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Compliance and Consumer Affairs, Federal Deposit Insurance Corporation 500 West Monroe Street, Suite 3300 Chicago, IL 60661. You may send written comments about our performance in helping to meet the community credit needs to H B Pomeroy, President, International Bank of Amherst PO Box 39, Amherst, WI 54406 and to the FDIC Regional Manager,. Your letter, together with any response by us will be considered by the FDIC in evaluating our CRA performance and may be made public.
  • You may ask to look at any comments received by the FDIC Regional Manager, You may also request from the FEIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.

This statement was revised and adopted by the Bank's Board of Directors on November 4, 1997

Our community is defined on a map displayed in the main lobby at 103 South Main Street , Amherst , WI 54406

 

 
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