Rev. July 2024

FACTS

WHAT DOES PEOPLESBANK 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
  • Transaction history
  • Account balances
  • Checking account information
  • Payment 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 PeoplesBank chooses to share; and whether you can limit this sharing.

Reasons we can share
your personal information

Does PeoplesBank 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 report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness No We
don’t share
For nonaffiliates to market to you No We
don’t share

Questions?

Call toll-free 1-888-846-1970 or 717-846-1970 or go to www.peoplesbanknet.com

  

Who We Are

 

Who is providing this notice?

PeoplesBank means PeoplesBank, a division of Orrstown Bank.

What We Do

 

How does PeoplesBank 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does PeoplesBank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Make deposits or withdrawals from your account
  • Apply for a loan
  • Use your credit or debit card
  • 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 laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.

Definitions

 

Affiliates

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

  • Our affiliates include companies with an Orrstown Financial Services, Inc. name and financial companies such as investment management companies and advisory companies.

Nonaffiliates

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

  • PeoplesBank does not share with 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 insurance companies and private label credit card issuers.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.