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Privacy Policy

View our online Privacy Policy.

At Dean Bank, we believe that the confidentiality and protection of our customers’ information is one of our fundamental responsibilities.

Dean Bank will never request confidential information via e-mail solicitation. Please report any such requests by calling (508) 528-0088.

Dean Bank is a mutual thrift institution and as such is owned by its depositors and run by an elected Board of Directors. You can be confident that your financial privacy is a top priority of this financial institution. Please remember that Dean Bank... your bank... DOES NOT SELL information about you to anyone. If, after reading this disclosure, you have any questions, please contact one of our customer service representatives at (508) 528-0088.


Protecting Your Privacy

Definitions

Before discussing what information we may share with other entities, we will define some terms:

  • We, our, and us means Dean Bank.
  • Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
  • An affiliate is a company related by common ownership or control. They can be financial and nonfinancial companies. At this time, there are no companies that fit into this category.
  • A nonaffiliated third party is a company that is not related by common ownership or control. Dean Bank does not share your nonpublic financial information with nonaffiliates. At this time, there are no companies that fit into this category.
  • Joint Marketing is a formal agreement between nonaffiliated financial companies that together market financial products or services to you. Occasionally Dean Bank partners with companies in joint marketing initiatives. See below for more information on this topic.

Other Important Information

While we may disclose nonpublic information we collect, this information is limited to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.

To protect our customers’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide them to other third parties. We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our bank, follow your instructions as you authorize, or protect the security of our financial records.


Why We Disclose Information

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.


Information We Collect About You

The types of personal information we collect and share depend on the product or service you have with us. This information can include your:

  • Social Security number and information that we obtain from you on applications
  • Name and information we receive from consumer reporting agencies
  • Address and information about your transactions with us or others

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


How We Protect Your Information

All financial institutions need to share nonpublic personal information to run their everyday business. Inside this brochure, we list the reasons financial companies can share their nonpublic personal information; the reasons Dean Bank chooses to share; and whether you can limit this sharing.


FACTSWhat Does Dean 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 and income
  • Account balances and payment history
  • Transaction history and credit history

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

Reasons we can share your personal informationDoes Dean 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

N/A

N/A

For our affiliates' everyday business purposes –
information about your creditworthiness

N/A

N/A

For our nonaffiliates to market to you

No

N/A

Questions?

Call 508-528-0088

What we do
How does Dean 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.

We also restrict access to your nonpublic personal information to those employees who have a specific business purpose for utilizing your data.

How does Dean Bank collect my personal information?

We collect your personal information, for example, when you

  • Open a deposit account or
  • Apply for a Loan
  • Authorize Dean Bank to verify the information you provide on an application or other form when conducting financial transactions.
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.


Fair and Accurate Credit Transactions Act (FACT Act)

On December 4, 2003, the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) was signed into law. This law ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit.

This legislation provides consumers, companies, consumer reporting agencies and regulators with important new tools that:

  • Expand access to credit and other financial services for all Americans,
  • Enhance the accuracy of consumers’ financial information, and
  • Help fight identity theft.

These reforms make permanent the uniform national standards, and institute new, strong consumer protection.

At Dean Bank, our first priority is to protect you and your account relationship with us. Please be assured that your account information will be given the highest level of confidentiality. With that stated, Dean Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.


How You Can Protect Your Privacy

Dean Bank is committed to protecting the privacy of its customers. You can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card, as this can provide free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, claiming the call is on behalf of the bank, and asks you for your account number, you should be wary. Official bank staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Protect Your Identity

  • Tear up unused credit offers and other documents containing personal information before discarding them.
  • Guard your social security number.
  • Don't release information to people you do not know, especially over the phone or Internet.
  • Review bank statements for accuracy.
  • If you are denied credit for no apparent reason, obtain a copy of your credit report.

You are entitled to one free annual report from each credit bureau. Obtain a free credit report from each of the three credit bureaus at www.annualcreditreport.com. Carefully review your report for indications of fraud.


If You Become a Victim

  • Contact the bank and all others with whom you have a financial relationship.
  • File a police report if you have had a loss.
  • Report the fraud to the major credit bureaus:
    Equifax: 1-800-525-6285
    Experian: 1-888-397-3742
    Trans Union: 1-800-680-7289

For additional help, call the Federal Trade Commission at 1-877-ID-THEFT or visit their web site.

If you have any questions, please contact Dean Bank at (508) 528-0088.


To report a lost or stolen Debit or ATM Card:

Call
1-800-528-2273 (U.S.)
1-812-647-9794 (International)
or Send an email to

If your debit/ATM card is lost, stolen, or if you think your PIN is being used by an unauthorized person(s), please call us immediately at 508-528-0088 during business hours or 800-528-2273 after normal business hours.

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