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Privacy Policy

Facts - What does BankORION 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 and Income
  • Account Balances and Transaction History
  • Credit History and Credit Scores

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 Customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customer's personal information; the reasons BankORION chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information: Does BankORION 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 No We do not share
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 non-affiliates to market to you No We do not share

Questions? Please call us at 309.526.8011.

Who we are:
Who is providing this notice?

BankORION - 1114 4th Street, Orion, IL 61273 (Main Branch)

What we do
How does BankORION 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 BankORION collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit
  • Pay Bills or apply for a loan
  • Use your debit card or credit card

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. 

  • BankORION does not share with affiliates.
Non-affiliates

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

  • BankORION 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. 

  • BankORION does not jointly market.

Web Or SMS/Text Privacy Policy

BankORION’s Web or SMS/Text Privacy Policy explains how we gather and use the information you provide us, to help you make informed decisions when you use our digital applications, including our mobile app, website, Text/SMS features and some vendor websites. Please be sure to read this entire Web Privacy Policy before using our digital platforms. We may collect personal information when you enter data into an application for new products or services or when you use our websites, products, or services. Personal information may include your name, contact information, photos, access number, other credentials, home or other physical address, Social Security Number, the contents of your communications with us, telephone number, and email address. Additionally, we may collect certain electronic data, such as your geolocation, IP address, keystrokes, website interactions, and device identifier. We promise to send respectable and relevant Text/SMS content to your mobile phone. 

Mobile (SMS/Text) Messaging Terms and Conditions

BankORION (“BankORION”, “we”, or “us”) operates a mobile messaging program (the “Program”) subject to these Mobile Messaging Terms and Conditions (the “Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy and our Mobile Messaging Terms and Conditions. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.

 
1. Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include promotions, specials, and other marketing offers. Transactional messages relate to an existing or ongoing transaction and may include other transaction-related information. Mobile messages may be sent using an automated technology, including an auto-dialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 4 messages per month. You agree that we, our affiliates, and any third-party service providers may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.


2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user.  If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at bankorion@bankorion.com. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary. 
 

3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to opt-out of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a onetime opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. 


Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.


4. Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program. 


5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.

Mobile App Privacy Policy

FACTS What does BankORION do with your personal information from the mobile application?
Why?

The mobile application requests access to information stored on your device such as location, camera, contacts, images, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.

If you later change your mind, those permissions can be updated in your device's settings.
What?

Some examples of information your app will request access to are:

  • Location - Your location is used to prevent fraudulent activity and to display locations near you.
  • Contacts - Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared.

Camera/Images - This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat.
How?

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.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

If you do not agree to this Web or Mobile Privacy Policy, then you should not use our digital applications. This Web and Mobile Privacy Policy is specific to our digital platforms and does not supersede our general Privacy Policy. 

Please contact BankORION at 309.526.8011 regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.

You can also access the bank’s full Privacy Policy at bankorion.com/privacy-policy .

Advertising and Cookies

BankORION uses third party cookies, web tags, and similar technologies to collect or receive information on our website and other digital platforms. Through the use of these technologies, BankORION and its advertising partners may collect anonymized information from visitors to our website, such as date and time of visit, IP addresses, pages visited, browser versions, device type, etc. This information is used for analytics, interest-based advertising, measuring advertising effectiveness and troubleshooting purposes. As a user of our websites, you can opt-out of the collection and use of your information for ad targeting by going to https://support.google.com/.

Analytics

We use Google Analytics to better understand how visitors interact with our websites. This service provides non-personally identifiable data including but not limited to data on where visitors came from and what actions they took on the websites. We use this information to improve your experience. Please click here to learn more about this service and how to opt out of data collection by Google Analytics.

Children’s Online Privacy Protection Act (COPPA)

BankORION’s digital banking platforms are not directed to individuals under the age of thirteen (13). We request that these individuals do not provide Personal Information through these sites. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).

BankORION will notify you of any material changes to our Web Privacy Policy by posting any updated policies on this page and may update this policy at any time.