Bank of Utica | Consumer Banking

Bank of Utica - Privacy Policy

Bank of Utica has a long history of safeguarding customers' private financial information. We are committed to upholding that tradition. This notice describes our privacy practices and is required by federal law. We want to make it clear that Bank of Utica does not sell or trade customer information to outside companies who offer non-financial products or services. Our guidelines protect customer privacy and also help to protect against fraud while serving customer needs.
Customer Information We Collect We may collect what is known as “nonpublic personal information.” This is information that we obtain in order to provide financial products and services. Using such information responsibly will help us to continue to protect you against fraud and provide our customers with better financial services.
We may collect “nonpublic personal information” about you from these sources:

Information we receive from you on applications or other loan and account forms.
Information about your transactions with us, our affiliates or others; and
Information we receive from outside companies or third parties such as credit reporting agencies.

Customer Information We Disclose We will be careful as to how we share information with others. Under certain circumstances it may be necessary to share nonpublic personal information about you with outside companies or “nonaffiliated third parties” either to offer products and services which you have requested or as required by law. We will be sure that information shared with a third party will be done with careful consideration to accuracy and security. Some examples of circumstances under which we may share information are:

To process a transaction requested or authorized by you
To provide a financial product or service requested by you
To maintain or service your account with us or with another entity as part of an extension of credit
As required by law such as in the case of a subpoena
With your consent
To consumer reporting agencies as permitted under the Fair Credit Reporting Act

We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (“subsidiaries”). At this time we do not have any subsidiaries with whom this information would be shared. We may disclose all of the information we collect, as described under “Customer Information We Collect” to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We do not disclose any nonpublic personal information about our customers or former customers to any other third parties, except as permitted by law. Back to Top

Bank of Utica Web Site Security Through use of our web site, we strive to provide valuable information to you about how we may serve you. Whether you are an existing customer or someone shopping for new bank services, we want to make sure that there is never a need for you to be concerned about the privacy of your personal information. In an effort to better serve you, certain personal information is collected when you sign up for some of our bank services. Additionally, when sending e-mail to us, certain personal information about you may be contained in the message header, such as your name or organization. All information that is submitted to us will not be sold, shared, or otherwise given to any persons outside of the bank, unless we are compelled to do so by law. Bank of Utica also makes use of Web Cookies. Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie that is then used for the purpose of determining whether a user is a first-time user or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing our site are new or repeat visitors. As always, Bank of Utica reserves the right to change this policy at any time by posting a new privacy policy. Back to Top

Security of Customer Information We continually strive to keep customer information accurate, secure and confidential. We pledge to respond to your request to correct inaccurate information in a timely manner. The Bank’s confidentiality and business ethics policies provide, among other things, that all customer information is considered private and privileged. We restrict access to non-personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Back to Top

Consumer Complaints We work hard to assure that your information is current, accurate, and as complete as possible. If you see any inaccuracy in your statements or in any other communications from us, please call our Customer Service Department at (315) 797-2700 or (800) 442-1028, or write us at Bank of Utica, Consumer Complaints, 222 Genesee St., Utica, NY 13502. It is our policy to investigate and correct inaccuracies in a timely manner. Back to Top