Security & Privacy

Important Information

Alerts

Privacy Policy

Updated 06/21

Facts

What does VININGS BANK do with your personal information?

Why?

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.

What?

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
  • Account Balance
  • Payment history
  • Transaction history
  • Overdraft history
  • Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

How?

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 Vinings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Vinings Bank share?

Can you limit this sharing?

For our everyday business purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus

Yes

No

For our marketing purposes-
to offer our products and services to you

No

We don't share

For joint marketing with other financial companies

No

We don't share

For our affiliates’ everyday business purposes-
information about your transactions and experiences

No

We don't share

For our affiliates’ everyday business purposes-
information about your creditworthiness

No

We don't share

For our affiliates to market to you

No

We don't share

For non-affiliates to market to you

No

We don't share

Questions?

Call 770-437-0004 or go to www.viningsbank.com

What we do

How does Vinings Bank protect my personal information?

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.

How does Vinings Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Show your driver's license

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

Why can’t I limit all sharing?

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 law and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

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

  • Vinings Bank has no affiliates.

Nonaffiliates

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

  • Vinings Bank does not share with our nonaffiliates so they can market to you.

Joint Marketing

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

  • Our joint marketing partners include customers' Financial Services.

Security Policy

Your transactions are absolutely safe. Vinings Bank works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:

Secure Communications

Our system ensures that data-exchanged between your PC and our computer network is encrypted with 128-bit encryption – the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included.

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a ‘firewall.’ A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks’ internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login

User IDs and passwords are isolated from the Internet by being stored on Vinings Bank’s computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from 9 to 17 characters, which means the chance of randomly guessing a password is less than one in one trillion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the ‘hacker’ from gaining access to our system, thus protecting your accounts.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you receive your Vinings Bank online banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

ADA Compliance

Title II of the Americans with Disabilities Act covers programs, activities, and services of public entities, including their websites. The ADA protects qualified individuals with disabilities from discrimination on the basis of disability. Vinings Bank will comply with the Americans with Disabilities Act (ADA) of 1990, which prohibits discrimination in the provision of programs, services, or activities to individuals with disabilities. If you have any questions about our services regarding ADA or believe you have been unfairly discriminated against in the provision of programs, services, or activities of Vinings Bank, please contact us or call 770-437-0004 and we’ll be happy to assist.

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