Privacy Policy › International Bank of Chicago

What Does International Bank of Chicago Do With Your

Personal Information?

Rev. Date 01/22

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 assets 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 International Bank of Chicago chooses to share, and whether you can limit this sharing.

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 assets

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 International Bank of Chicago chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does International Bank of Chicago 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 Do Not Share
For joint marketing with other financial companies	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share

What We Do
How does International Bank of Chicago protect my 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 International Bank of Chicago collect my information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Or use your 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.

What We Do

How does International Bank of Chicago protect my 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 International Bank of Chicago collect my information?

We collect your personal information, for example, when you

Open an account or deposit money
Pay your bills or apply for a loan
Or use your 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Bank holding company: IBC BANCORP International Bank of Chicago does not share with affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. International Bank of Chicago does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. International Bank of Chicago does not jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Bank holding company: IBC BANCORP
International Bank of Chicago does not share with affiliates.

Non‑Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

International Bank of Chicago does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

International Bank of Chicago does not jointly market.

Other Important Information
We do not collect any "cookies" on our web site. Cookies are small text files that IBC's web site can create on your computer to store information gathered about your visit to our site.