Our Privacy Policy

What does Spiro State 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.

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 Spiro State Bank chooses to share; and whether you can limit this sharing.

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
Transaction or loss history
Account balances
Overdraft history
Payment history
Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

Reasons we can share your personal information

Does Spiro State Bank 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

For our marketing purposes – to offer our products and services to you

We don’t share

For joint marketing with other financial companies

We don’t share

For our affiliates’ everyday business purposes – information about your transactions and experiences

We don’t share

For our affiliates’ everyday business purposes – information about your creditworthiness

We don’t share

For nonaffiliates to market to you

We don’t share

Questions? Call 918-962-2453!

What We Do

How does Spiro State 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 Spiro State Bank collect my personal information?

We collect your personal information, for example, when you

Open an account
Give us your contact information
Apply for a loan
Pay us by check
Make deposits or withdrawals from your account

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.

Spiro State Bank does not share with our affiliates.

Nonaffiliates

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

Spiro State Bank does not 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.

Spiro State Bank doesn’t jointly market.