- Financial Education
- Customer Service
NO - We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
Peoples Bank of Alabama has adopted a strict security policy and procedure that prohibits the selling, or providing, of personal information to third parties for their independent use. However, in the normal course of business, we make information available to Peoples Bank of Alabama vendors if the information is needed to fulfill an authorized service, requested by you, such as a Visa debit card, or mortgage loan. This is the same procedure as would be done by any traditional bank. Please be assured that Peoples Bank of Alabama values customers and their privacy.
We periodically review these procedures and policies to ensure the highest level of security in regard to your private information. If you ever have any questions or concerns other than those listed below, send us an email at email@example.com or call (256) 737-7000.
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; and
Information we receive from a consumer-reporting agency
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.
When you utilize the Apply Online function via the Internet to open a Peoples Bank of Alabama deposit account or loan, we will collect personal information in order to process your application. Such information is collected and maintained in order to authenticate your identity and to protect you. We must identify and verify you to prevent unauthorized entities from accessing your personal financial information. We also utilize this information to provide the products and services you request and to offer you the new products and services that meet your needs. These associates are only provided the information necessary to fulfill the service.
After you are a customer, your Internet banking sessions, including the transactions you conduct online, are archived. This allows us to process and confirm your transaction and to provide you with the history of your account transactions.
We do not disclose information about former customers, except as permitted by law.
If you have questions or just want to confirm that your personal information at Peoples Bank of Alabama is correct, please contact us at firstname.lastname@example.org or call us at (256) 737-7000. If you send an e-mail do not include confidential information.
It is the policy of Peoples Bank of Alabama to maintain accurate and complete information on our customers. If you have any reason to believe that the information we hold with respect to you or your account is inaccurate, outdated, or incomplete, please contact us by telephone or in writing so that such information may be corrected or updated as soon as possible.
On our website, the statement asks for your consent so that we can provide communications and information to you in electronic form rather than in paper form. We will sometimes use the words “electronic records” as a short way to refer to the communications and information that we may provide electronically. Before you decide whether or not you wish to give your consent to receiving electronic records, you should read and consider the following information. Then, if you decide to consent, you can click the “I Agree” button at the bottom of the online statement. (For your consent to be effective, your computer and browser will need to meet the hardware and software requirements discussed below at "Are there any hardware or software requirements for me to access or retain the electronic records.")
The statement contains important information that we are required by law to provide to you. You should keep a copy for your records. For your convenience, this statement is written in a "Question and Answer" format. If you have any questions about electronic records that are not answered, feel free to communicate with us using any of the "Contact methods":
Send us an e-mail at email@example.com; or call us at (256) 737-7000, (877) 788-0288 or
Write to us at:
811 2nd Avenue, SW
Cullman, AL 35055
Phone: (256) 737-7000 Fax: (256) 737-7054
If you consent, you will receive electronic records that relate to our Online Banking Services. These will include the following types of documents:
No, not really. If you want to use our Online Banking Service, the Service was designed and built to provide records to you in electronic form. Put another way, the system is an electronic banking system and it does not have a paper-based alternative.
Yes, you can. If you request one, we can prepare a paper-based version of any of the electronic records you receive, for up to five years after the date it was created. If you want us to prepare a paper-based copy, you can request it by contacting us using one of the Contacts shown above.
If you request one, we will provide a paper-based copy of an electronic record free of any Bank charges, with one exception. There is a charge of $ 1.00 per page for paper- based copies of your monthly statements, and we will charge this fee to your account. Normally, we will mail paper-based copies of an electronic record to you (at the address shown on our records) within 3 weeks after the date we receive your Contact request for it.
Yes, there are. You will need a computer with sufficient memory to store electronic records, and with a working connection to the Internet. You will need a minimum web-browser version of Internet Explorer 5.0 or Netscape Navigator 6.1 (or higher), with e-mail capability. Your browser will need to have 128-bit encryption capabilities. You are responsible for configuring your system to accommodate these requirements. Finally, you will need a printer if you want to print copies of electronic records.
If we change the minimum hardware or software requirements needed to access or retain electronic records, and the change creates a material risk that you will not be able to access or retain a subsequent record, then before the change takes effect we will let you know about the change and let you know what the new requirements are.
We will notify you by e-mail, and at that time you will be allowed to choose whether you still want to give us your consent to receiving communications or information by electronic records. If not, you will be allowed to withdraw your consent at that time, without any fee or charge by us.
However, if you withdraw your consent, you may not be able to access the Online Banking Services without upgraded hardware or software. Then, your ability to use the Online Banking Service could also end (as described above, under "If I consent to electronic records now, and change my mind, what can I do and what are the consequences?").
Your "Deposit Account Agreement and Disclosure" and the "Privacy notices and disclosures" are available online and in the disclosure book. Other "periodic or special notices" will be sent to you by e-mail, unless they contain confidential account information. If so, then these will be posted at our web site, or mailed if posted to our web site we will send an e-mail to you letting you know that they can be picked up.
Your monthly account statements contain confidential information, so they will be stored for you to pick-up (print or review) at our web site, at www.peoplesbankal.com. A monthly statement of yours is posted to our web-site every month. The monthly statement will be stored in the confidential section on our web site, and will be available to you, for at least 180 days following the date it is first posted for pick-up.
To access your monthly statements, you will need to enter the Internet banking section of the bank web site.
You must provide us with your current e-mail address, and keep it current with us at all times. Otherwise, you may not receive electronic records in a timely manner.
If you download or print any confidential materials, such as your monthly statements, be sure that you store them in a secure environment, just as you would paper-based bank records.
Peoples Bank of Alabama believes in promoting financial education for all ages. The online account opening or on-line banking services offered through the Bank's website are not designed or directed toward children under the age of 18. We request that these individuals do not provide personal information through the site. We do not knowingly collect information from children without parental or guardian consent. If you believe your child has provided personal identifiable information to us without your permission, please contact us locally at (256) 737-7000 or toll free at (877) 788-0288. For more information about the Children's Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission at www.ftc.gov.