Privacy Policy

What Does Eastern Michigan Bank Do With Your Personal Information?

Rev. November 2012

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 and account balances
  • Payment history and transaction or loss history
  • Credit history and account transactions
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 Eastern Michigan Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Eastern Michigan 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 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		 No We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For nonaffiliates to market to you No We Do Not Share
What We Do
How does Eastern Michigan Bank protect my 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 continuously educate our employees so they understand the importance of confidentiality and customer privacy.
How does Eastern Michigan Bank collect my information? We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Use your credit or debit card or 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 non-affiliates to market to you
State laws 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 non-financial companies. 
- Eastern Michigan Bank has no affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Eastern Michigan Bank does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. 
- Our joint marketing partner(s) include credit card companies.
Questions? Call toll free 1-800-397-2504 or go to www.emb.bank
Other Important Information: In accordance with California law, Eastern Michigan Bank will not share information we collect about California residents with companies outside of Eastern Michigan Bank, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law.