Photo by Al Hyams – http://capturedmomentsphotography.com
West Michigan Bank & Trust

Your Community Bank Since 1983

General Privacy Policy

FACTS     WHAT DOES WEST MICHIGAN BANK & TRUST 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 and account balances
    •  Payment history and transaction history
    •  Credit history and overdraft history 
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 West Michigan Bank & Trust chooses to share; and whether you can limit this sharing.
     
Reasons we can share your personal    information                                                        Does West Michigan   Bank & Trust 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 don't share
For joint marketing with other financial companies No We don't share
For our affiliates’ everyday business purposes information about your transactions and experiences West Michigan Bank & Trust has no affiliates We don't share
For our affiliates’ everyday business purposes
information about your creditworthiness
No We don't share
For non-affiliates to market to you No We don't share
     
Who we are                 
Who is providing this notice: West Michigan Bank & Trust
What we do
How does West Michigan Bank & Trust 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 West Michigan Bank & Trust collect my personal information?

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

  • Open an account or apply for a debit card
  • Make a deposit or make a wire
  • Apply for a loan or show us your driver's license
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 nonfinancial companies.
      West Michigan Bank & Trust has no affiliates
Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
     West Michigan Bank & Trust 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.
     West Michigan Bank & Trust doesn't jointly market.
Questions? Call (231) 352-9655 or go to www.wmibt.com
   
Online Banking Login