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Service Providers hosting our website and Internet banking service may collect general information on our website visitors for security and statistical purposes.  Such information may include:

  • The Internet address (referral site) which brought you to our web site;
  • The date and time you access our site;
  • The name and version of your web browser;
  • Your Internet Protocol (IP) address;
  • The pages visited in our website; and
  • The duration of your online session.

Our Service Providers may use Cookies to collect some the above information. In some cases you must accept cookies in order to view our website.

When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.

As mentioned previously, our Service Provider(s) may also use Cookies within our Internet banking and bill payment products. You must accept these Cookies in order to utilize the service.  These Cookies do not store any personally identifiable information; they simply provide another level of security.

USE OF INFORMATION COLLECTED

  • We may disclose the information that we collect, as described above, with Service Providers acting on our behalf to provide online financial services such as: Internet banking and bill payment.

  • We may also disclose Customer Information when required or permitted by law.  For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.

  • We may also share Customer Information outside this Institution when we have your consent, such as when you request a specific product like insurance or an investment product from a third party financial services provider.

  • We may also disclose aggregate (not personally identifiable) Customer Information with Service Providers or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require all such Service Providers/or financial institutions to protect the confidentiality of your Customer Information to the same extent that we must do.

  • We do not disclose any Customer Information about our customers, former customers, website visitors to anyone, except as permitted or required by law.

  • We do not sell any of your personal information.

ACCOUNT AGGREGATION

Account aggregation sites allow you to consolidate account information from several sources into one online location.  In order to provide this service, an aggregation provider may request your passcode and login information. You should ensure that the aggregation provider has appropriate policies to protect the privacy and security of any information that you provide.

If you provide information about your United Southern Bank accounts to an aggregation provider, we will consider all transactions initiated by an aggregator using the access or login credentials that you provide, to be authorized whether or not you were aware of a specific transaction.

If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you also change your online passcode with this Institution.  This will help ensure that the aggregation company cannot continue to access your account(s) with us.

EMAIL POLICIES

When you enroll for our online services, we will send you a welcome email.  We may also send emails marketing various products and services offered by this Institution. We will always provide you an opportunity to opt-in or opt-out of marketing related emails.

We will also send security related email notices when you sign-up for email (“notify me”) alerts on your account(s) or whenever you change your passcode, security question, or email address.

If you agree to accept electronic disclosures and/or online account statements, we may also send you notices of important account updates through email. For example, if you have agreed to accept disclosures electronically, we may send you an email with updates to this privacy policy and/or we may send you a notice that your account statement is available for viewing on our website.   For more information on how to enroll for electronic disclosures, please contact us at 270-885-0056 or 888-872-0015.

BEWARE OF PHISHING ATTEMPTS AND INTERNET SPAM

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