Talbot State Bank recognizes and respects your concerns about the privacy and security of your personal information when transacting business with in various on-line and off-line ways. We are committed to taking every reasonable precaution to protect and safeguard your privacy. We do not sell customer information. All transactions conducted via the internet, and all other personal information exchanged via the internet are processed in a secure environment. Talbot State Bank does not use "cookies" or other undisclosed electronic information collection methods.

Financial information shall be collected, retained, and used concerning individual customers only where is reasonably believed to be useful (and authorized by law) in administering bank business and to provide products, services, and other opportunities to our customers.

Every effort shall be made to ensure that a customer’s financial information is accurate, current, and complete in accordance with reasonable commercial standards. If information is determined to be inaccurate, correction to bank records shall be made in a timely manner.

Employee access to personally identifiable information shall be limited to those with a business reason for knowing such information. All employees are instructed on the importance of maintaining confidentiality and customer privacy. Appropriate disciplinary measures to enforce employee privacy responsibilities shall be taken if principles are not maintained.

Talbot State Bank shall maintain appropriate security standards and procedures regarding unauthorized access to customer information. Passwords limiting access to computer records are set and monitored.

Employees are cautioned against using any information except that which is necessary in performing their job duties. Customer information is to be kept strictly confidential.

Talbot State Bank collects nonpublic personal information for identification purposes to protect the security of your customer accounts, to help us in administering our business, and to help provide customers with the products and services they want.

We collect nonpublic personal information about customers from the following sources:

• Information we receive from the customer on applications or other forms;
• Information about customer transactions with us, or affiliates, or others; and
• Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our former customers to anyone, except permitted by law.

We may disclose nonpublic personal information about a customer to a nonaffiliated third party as required or permitted by law, such as in a response to a subpoena.

We restrict access to your nonpublic personal and account information to those employees who need to know that information to provide products or services to you. To ensure the confidentiality and integrity of account and nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Phishing, Spoofing and Email Fraud

Email fraud, often referred to as “phishing” or “spoofing,” involves a fraudster sending you an email request that appears to be from the bank or other official organization such as a government agency, an official business, or online payment service. If you follow the fraudulent instructions, you may unknowingly provide confidential information or even download worms or viruses to your computer.
When fraudsters obtain this information, they use it to transfer money, make payments, and commit other fraudulent acts.
If you have received a fraudulent email or an email that appears suspicious to you, please forward it to abuse@talbotstatebank.com. Please do not remove the original subject line, or change the email in any way when you forward it to us.
The keys to identification of fraudulent emails include:

• The message asks you to follow a link to a website
• The website asks you to confirm personally identifying and confidential information
• The message asks you to call a toll-free number, and a recording prompts you to key in personal account information such as your account number and PIN
• Some fraudsters will actually man the phone number with a live person to solicit personal information. Oftentimes the person will speak with a foreign accent.

If you have entered personal information after clicking on a link or suspect fraudulent behavior, please call us immediately at (770)692-0900 during regular business hours.
Security Savvy:  Email Dos & Don’ts  

• Never respond to or click on a link in a suspicious email. Opening or clicking on a link could place a virus on your computer which can later capture your personal information.
• Inspect the company logo used in emails and compare it to that used on the legitimate Web site of that company. Look for any discoloration or disfiguration of the logo.
• If you receive an email that warns you that an account will be closed or online access will be terminated unless you reconfirm your billing information, contact the company cited in the email using a telephone number or Web site address you know to be genuine.
• Take the time to ask whether this is the type of action the bank would ask you to take. Talbot State Bank will never ask you for personal financial information via email. We will never ask you to provide any personal identifying information, account numbers or PIN numbers online or via email.
• Avoid sending personal financial information over the Internet unless you are sure you are on a secure site. Look for the padlock icon on your browser's status bar.

If you have any questions about your privacy or the accuracy of your account information at any time, please contact us.