Privacy Pledge

Recognition of Customer's Expectation of Privacy

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customer’s trust. The safekeeping of customer information is a priority for Heritage Bank.

Use, Collection and Retention of Customer Information

We collect, retain, and use information about customers only where we reasonably believe that it will help administer our business or provide products or services. We collect and retain customer information only for a specific business purposes and upon request will inform customers why we are collecting and retaining the information. We use information to protect and administer records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand the financial needs of our customers. Customer information is defined as any record containing nonpublic personal information about a customer whether in paper, electronic, or other form, that is maintained by or on behalf of the bank.

FACT Act

President Bush signed the Fair and Accurate Credit Transactions Act of 2003, or FACT Act, into law in December 2003. In general, the FACT Act added procedures to existing Fair Credit Reporting Act (FCRA) standards to increase the level of protection for consumers with respect to identity theft and credit-record reporting.

The underlying purpose for the FACT Act is to accomplish the following:

To prevent identity theft,
To improve the resolution of consumer disputes,
To improve the accuracy of consumer records,
To make improvements in the use of, and consumer access to, credit information

Heritage Bank gladly accepts responsibility to comply with the FACT Act. For more information regarding these changes, please call 1-877-FTC-HELP or log on to website www.ftc.gov.

USA Patriot Act
Important Information About Opening an Account with Heritage Bank

Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. The information is used to assist the United States government in the fight against the funding of terrorism and money laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person's driver's license and other identifying documents and copy or record information from each of them.