Member FDIC

 

Privacy & Security

Privacy Policy

 

FACTS WHAT DOES TERRABANK, N.A. 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
  • Account balances
  • Overdraft history
  • Checking account information
  • Transaction history
  • Payment history
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 Terrabank, N.A. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Terrabank, N.A. 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 Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes: information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes: information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
  Questions?  Call 305-448-4898

 

What we do
How does Terrabank, N.A. protect my personal information? To protect your personal information from unauthorized protect my personal information? access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Terrabank, N.A. collect my personal information?
  • Open an account
  • Apply for a loan
  • Safe Deposit Box
  • Provide account information
  • Make a wire transfer
  • Pay your bills
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 you

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

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Terrabank, N.A. does not share with its affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Terrabank, N.A. does not share with non-affiliates.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Terrabank, N.A. does not engage in joint marketing.
Other Important Information
We do not disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. To respond to court orders and legal investigations or report to credit bureaus. We do not disclose information about former customers, except as permitted by law.


Privacy Statement

Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as: Date and time our site was accessed IP address (A numeric address given to servers connected to the Internet) Web browser used City, state, and country The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
 

Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure.

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