Privacy Policy

FACTS

What does Cornerstone Bank 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
  • Payment History
  • Transaction or Loss History
  • Overdraft History
  • Account Transactions
  • Wire Transfer Instructions

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 Cornerstone Bank chooses to share; and whether you can limit this sharing

Reasons We Can Share Your Personal Information

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.

  • Does Cornerstone share this information? Yes
  • Can you limit this sharing? No

For Our Marketing Purposes – to offer our products and services to you.

  • Does Cornerstone share this information? No
  • Can you limit this sharing? We Don’t Share This Info

For Joint Marketing With Other Financial Companies

  • Does Cornerstone share this information? No
  • Can you limit this sharing? We Don’t Share This Info

For Our Affiliates’ Everyday Business Purposes – information about your transactions and experiences.

  • Does Cornerstone share this information? No
  • Can you limit this sharing? We Don’t Share This Info

For Our Affiliates’ Everyday Business Purposes – information about your creditworthiness.

  • Does Cornerstone share this information? No
  • Can you limit this sharing? We Don’t Share This Info

For Non-Afflilates To Market To You

  • Does Cornerstone share this information? No
  • Can you limit this sharing? We Don’t Share This Info

QUESTIONS

Call 712-542-2103 or go to www.cornerstonebankia.com.

WHAT WE DO

How does Cornerstone Bank 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Cornerstone Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open An Account
  • Deposit Or Withdrawal Money
  • Pay Us By Check Or Make A Wire Transfer
  • Apply For Financing
  • Use Your Credit Or Debit Card

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 Non-Affiliates To Market To You

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

We may collect non-public phonebook or contact information.
We do not allow unauthorized publishing or disclore of people’s non-public contacts.

DEFINITIONS

Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies. CORNERSTONE HAS NO AFFILIATES

Non-Affiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies. CORNERSTONE BANK DOES NOT SHARE WITH NON-AFFILIATES SO THEY CAN MARKET TO YOU.

Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you. CORNERSTONE BANK DOESN’T JOINTLY MARKET.

OTHER IMPORTANT INFORMATION

For Alaska Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.