Standard Trust Credit Union
Privacy Policy

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.

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 Income
• Account Balances and Payment History
• Credit History and Credit Scores

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 Heartland Financial USA, Inc. chooses to share; and whether you can limit this sharing.

If you want to limit sharing, please call your institution at the toll-free number listed below.

Please Note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

If you have any questions, please call your institution at the toll-free number listed below:

Heartland Financial USA, Inc. on behalf of its affiliates.

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 collect your personal information when you:

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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. See below for more on your rights under state law.

Your choices will apply to everyone on your account.

Companies related by common ownership or control. They can be financial and non-financial companies.

• Our affiliates include companies with a common ownership of Heartland Financial USA, Inc. which includes financial companies such as Arizona Bank , Bankers Realty Solutions LLC, Bank of Blue Valley, Blue Valley Wealth Advisors, Inc., Citywide Banks, Dubuque Bank and Trust Company, DB&T Insurance, FirstBank , Heartland Financial USA, Inc. Insurance Services, Illinois Bank , Minnesota Bank , Standard Trust Credit Union, Premier Valley Bank, Rocky Mountain Bank, Wisconsin Bank .

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

• Heartland Financial USA, Inc. does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint Marketing Partners include a life style benefits provider and Insurance companies.

Financial Institutions and affiliates of Heartland Financial USA, Inc. that are providing this notice are as follows: Arizona Bank , Bankers Realty Solutions LLC, Bank of Blue Valley, Blue Valley Wealth Advisors, Inc., Citywide Banks, Dubuque Bank and Trust Company, DB&T Insurance, FirstBank and Trust, Heartland Financial USA, Inc. Insurance Services, Illinois Bank , Minnesota Bank , Standard Trust Credit Union, Premier Valley Bank, Rocky Mountain Bank, and Wisconsin Bank .

State Laws:

Nevada Residents:

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling the phone number listed under the To Limit Our Sharing section.
Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number is 702-486-3132; Email: BCPINFO@ag.state.nv.us.

California Residents:

Under California law, we will not share information we collect about you with companies outside of Heartland Financial USA, Inc. and its affiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California Law.

Texas Residents:

First Bank and Trust Company and our affiliates are chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against FirstBank and Trust should contact the Texas Department of Banking through one of the means indicated below:
In person or U.S. Mail: Texas Department of Banking, 2601 N. Lamar Boulevard, Suite 300, Austin TX, 78705-4294; By telephone: (877)276-5554; By fax: (512)475-1313; By email: consumer.complaints@dob.texas.gov; Through a website: www.dob.texas.gov.