Our commitment to our e-banking customers and visitors.
In addition to our Consumer Privacy Disclosure, the following describes additional consumer privacy practices unique to our Web site and Internet banking services.
When you visit our Web site to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular.
Collecting Information Online
We currently collect personal information on our website when you elect to provide it to us through the online forms used for registering for electronic banking products or when you send us an e-mail message. Electronic Banking registration, Bank OnLine and Bill Pay transactions and information is encrypted, or scrambled by your browser before it is transmitted back to our Web site. When you send us an e-mail, it is not encrypted and should not contain confidential personal information. When you use Bank OnLine or Bill Pay, we retain your transaction information for our accounting records.
Protection of Information via Established Security Procedures
We maintain security standards and procedures to help prevent unauthorized access to confidential customer information. We update and test our technology to improve protection of our customer information and to assure the integrity of our information.
Bank OnLine and Bill Pay Internet Banking
American Bank is committed to making sure that your Internet banking is safe and secure. With our own security infrastructure in place, we are confident that access to your accounts is private and secure; we are unable to provide similar assurances for other Web sites. While American Bank works to protect your banking privacy, you also play a role in protecting your accounts. Only provide your User Name, ID and passwords when your browser shows a Secure Socket Layer (SSL) connection directly to the American Bank Web site or to another site you have investigated and fully trust. See the Security & Browser Info section for more details.
In order to provide better service, our Web site uses "cookies." A cookie is a way for Web sites to recognize whether or not you have visited the site before. It is a piece of data given to a browser by a Web server, so that the browser will hand it back to the server on subsequent visits. American Bank uses temporary cookies in places where you need to register, such as our online banking site, Bank OnLine, and Bill Pay, so that it will only respond to your computer while you are in a login session. Cookies are also used anywhere you are able to customize the information you see. Recording a cookie at such points makes your online experience easier. Our cookies do not read your hard drive nor can they be used to reveal anything about you that you have not already explicitly revealed. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set, although you will not be able to use Bank OnLine and Bill Pay without cookies.
If you choose to contact us via e-mail, please keep in mind that your e-mail address, or any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. Various employees of American Bank may see the information you submit in the course of their official duties. Rest assured, however, that when you communicate with us via e-mail, we would use your e-mail information only for the specific purpose of responding to your comments or questions or to enhance our service to you. Your e-mail address will not be sold, nor will it be shared with any company, agency or person not affiliated with the bank unless you have requested a specific service provided by a third party, or we are compelled to do so by law.
When you choose to send e-mail to American Bank you are consenting to the bank's using the information provided therein, including personally identifying information, in accordance with this notice.
Standard electronic mail (from user's e-mail software or using the e-mail listed on our website) is not necessarily secure against interception. Do not include any information that is sensitive, personal or confidential (such as your bank account, credit card or Social Security numbers) in your e-mail messages to American Bank. For secure correspondence it is advisable to 1) use the secure mail messaging available when you log in to Bank OnLine if you are a customer and a registered user, 2) call Customer Service DirectLine at (361) 992-9911 or (800) 257-8316, or 3) send via postal mail.
Our website is not targeted or marketed to children.
Other Ways to Protect Your Privacy
Reducing Direct Marketing from Other Companies
The Direct Marketing Association offers services to help reduce the number of mail, telephone and e-mail solicitations. Visit https://www.dmachoice.org for more information.
Protecting Yourself from Identity Theft
Today, one of the important reasons to protect your personal information is the rise in cases of identity theft. According to the Federal Trade Commission, there were nearly 10 million victims last year. Although it seems relatively easy for this kind of thief to rob your identity, it is equally as simple to take measures to protect yourself.
Take care with your personal information; follow these simple steps to ensure your identity remains yours.
- Do not carry your Social Security card, passport or birth certificate in your wallet. Keep them in a safe place at home. Furthermore, do not give your credit card or Social Security information over the phone unless you initiate the call and know to whom you are talking. Also, give out your Social Security number only when absolutely necessary. Ask if you may use other forms of identification.
- Do not give out your Social Security number, credit card number or any other personal information like bank account numbers, access codes or passwords over the Internet unless you are dealing with a site you know and trust, and your browser indicates that you have a secure connection.
- Keep documents with personal information safe, including credit card and debit card receipts. Shred them when you dispose of them. Also, before you reveal personal information, find out how it will be used and if it will be shared with others.
- Get off mailing lists. Preapproved credit offers can do a lot of harm. Remove your name from marketing lists of the three major credit bureaus by calling 1-888-5OPT-OUT (567-8688).
- Reduce the number of credit cards you carry. Keep an emergency phone list of credit card companies to contact in case your credit cards are stolen.
- Order your credit reports and check for fraudulent activity. You can order credit reports by logging on to www.experian.com, www.transunion.com or www.equifax.com. Or call Experian at 1-888-EXPERIAN (397-3742), TransUnion at (800) 888-4213 or Equifax at 1-800-685-1111. Credit reports normally cost about $10. Texas residents may obtain a free credit report each year. For information, visit www.annualcreditreport.com or call 1-877-322-8228.
- Check your Social Security Earnings and Benefits statement once each year to make sure that no one else is using your Social Security Number for employment.
If you are a victim of identity theft, call the Federal Trade Commission at (877) ID-THEFT (438-4338) or log on to its website at www.consumer.gov/idtheft. Its website will also help you learn more about this crime and how to prevent it. And if you suspect that any of your banking account information has been compromised, contact us as soon as possible by calling Customer Service.