Disclosures

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE.PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
 
This website has been established by Cumberland Federal Bank for the sole purpose of conveying information about Cumberland Federal Bank’s products and services and to allow communication between Cumberland Federal Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of Cumberland Federal Bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in Cumberland Federal Bank's agreements and disclosures, the agreements and disclosures will control.
 
From time to time Cumberland Federal Bank may place links to other websites on this page. Cumberland Federal Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

  • Cumberland Federal Bank is not endorsing or guaranteeing the products, information, or recommendations, provided by the linked websites.
  • Cumberland Federal Bank is not liable for any failure of products or services advertised on linked websites.
  • Each third-party website may have a privacy policy different from that of Cumberland Federal Bank.
  • The linked third-party website(s) may provide less security than Cumberland Federal Bank’s website.

The information and materials contained in this website are owned by Cumberland Federal Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
 
Cumberland Federal Bank makes no warranties of any kind regarding the products and services advertised on this site. Cumberland Federal Bank will use reasonable efforts to ensure that all information displayed is accurate; however, Cumberland Federal Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. Cumberland Federal Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if Cumberland Federal Bank has been informed of the possibility of such loss or damage.
 
Electronic mail sent through this website is not necessarily secure. You should not send electronic mail containing sensitive, confidential information. Cumberland Federal Bank will never initiate a request via email for your sensitive information (e.g., Social Security number, personal ID, password, PIN or account number). If you receive an email asking for your sensitive information, you should be suspicious of the request and promptly contact us at 715-822-2249 to report the suspicious activity.
 
This agreement may be changed from time to time by posting the new Terms & Conditions on the website. All users agree to be subject to this agreement as it changes from time to time.
 
This agreement and the use of this website are governed by the laws of the State of Wisconsin.

Privacy Policy

FACTS

WHAT DOES CUMBERLAND FEDERAL BANK, FSB 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
  • Payment history
  • Income
  • Credit history
  • Account balances
  • Credit scores

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store 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 Cumberland Federal Bank, FSB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Cumberland Federal Bank, FSB 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

No

We don't share

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes -
information about your transactions and experiences

No

We don't share

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

No

We don't share

For non-affiliates to market to you

No

We don't share

Questions?

Call 1-715-822-2249 or go to www.cumberlandfederal.com

What we do

How does Cumberland Federal Bank, FSB 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 Cumberland Federal Bank, FSB collect my personal information?

We collect your personal information, for example, when you

  • Give us your income information
  • Give us your wage statements
  • Give us your employment history
  • Provide your mortgage information
  • Give us your contact information

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. 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.

  • Cumberland Federal Bank, FSB has no affiliates.

Non-affiliates

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

  • Cumberland Federal Bank, FSB 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.

  • Cumberland Federal Bank, FSB doesn’t jointly market..
Other Important Information

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

For California Customers. We will not share personal information with non-affiliates 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 non-affiliates either for them to market to you or for joint marketing - without your authorization. 

For Vermont Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Internet Banking Terms & Conditions

  1. Coverage. This Agreement applies to your use of our internet banking service ("Internet Service"), which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us. In this Agreement, the terms "you" and "your" refer to the depositor on an account accessible by Internet Service, and the terms "us," "we," and "our" refer to the Bank.
  2. Enrollment/Application Forms. To establish Internet Service, you must complete an enrollment form evidencing your desire to access your accounts using the Internet Service. Your signature on the Enrollment Form constitutes your agreement to the terms of this Agreement. Additional information relating to Internet Service is included on-line or instructions provided to you and such materials are incorporated into this Agreement by reference.
  3. Your Responsibility. You are responsible for selecting all systems, hardware and your Internet Service provider and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of Internet Service provider and systems and computer services. We have no responsibility or liability forsame.

    INTERNET SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. USE OF THE SERVICE IS AT YOUR SOLE RISK. WE DO NOT WARRANT THAT INTERNET SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, NOR DO WE MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF INTERNET SERVICE. WE MAKE NO OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN RELATION TO INTERNET SERVICE.
  4. Access Codes. We will issue each account owner upon enrollment an Access ID and Initial Password (.PIN.) which will allow access to all of the services available to you using Internet Service. You understand and agree that upon receipt of the Access ID and initial password (PIN) you will have full access to perform all of the services we provide to you over Internet Service.

    OR

    Commercial Accounts. Upon receipt of your written authorization, we will issue one Access ID and Initial Passwords (PINs) to each person designated by you, which PIN will permit that person to access your Account(s) using Internet Service to perform the services that you have designated to be available for that particular person. We will amend and revoke assigned PINs and the services that may be performed by each person to whom the PINs are assigned upon our receipt of clear and complete instructions in a written notice from you to do so and passage of a reasonable period of time for us to respond to the notice. Until such time, our authority and instruction to respond to transactions initiated using an assigned PIN shall continue. Notice from you regarding a particular PIN or service available using a particular PIN shall not affect the validity or use of any other PIN assigned to you or any other services available using Internet Service.
  5. Customer Liability. You are responsible for maintaining the confidentiality of the PINs. You understand and agree that you are responsible for all transactions incurred using your PINs. You agree to disclose PINs only to those individuals authorized to use Internet Service or a particular level of service in Internet Service. Anyone to whom you disclose your PINs and anyone who has access to your PINs will have full access to the services you can perform on Internet Service, including full access to your Accounts. The person’s authority will be limited only to the extent that the PIN was established with limitations on the services that could be performed using that PIN. We are entitled to presume that all communications containing proper PINs are authorized by you and to act upon those communications, and you will be bound by any transaction performed by any person using that PIN. You assume full responsibility and liability for the consequences of any misuse or unauthorized use of or access to Internet Services or disclosure of any confidential information or instructions of yours by your employees, agents or other third parties that gain access to your PINs.

    Tell us AT ONCE if you believe your code (PIN) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your code, you can lose no more than $50 if someone used your code without your permission.

    If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500.

    Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
  6. Contact in Event of Unauthorized Access. Tell us at once if you believe any of your PINs have been lost, stolen or otherwise available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call 715-822-2249 or write Cumberland Federal Bank, 1390 Second Ave., PO Box 338, Cumberland, WI 54829.
  7. Business Days. Our business days are Monday through Friday. Federal holidays are not included as business days.

    We can process a fund transfer on the same business day as your instructions, if we receive your instructions before our Internet Service cut-off hour of 6:00 p.m. on a business day. If we receive your instruction after the end of our business day, we process the transaction on our next business day.
  8. Functions. Using your Access ID and PIN and the Internet Service you can:
    • View account information  
    • Transfer funds among your deposit accounts with us 
    • Make Cumberland Federal Bank loan payments where permitted  
    • Pay bills if signed up thru CheckFree RXP Bill Payment Service.

      Additional functions may be made available from time-to time, subject to the terms and conditions of this Agreement. Subject to available funds, you may transfer funds using the Internet Service in any amount.
  9. Overdrafts. When you schedule a funds transfer using the Internet Service, you authorize us to withdraw the necessary funds from your designated Account with us. We deduct the amount of your funds transfer from your designated Account on the date we process your instruction. Each instruction to us to withdraw or transfer from an Account is an order to us to pay from that Account at that time. We may charge payments against the Account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your Account, you agree to immediately pay us the overdrawn amount, together with any applicable fees.
  10. Limitations on Transfers. Under federal regulations, you may make no more than six pre-authorized electronic fund transfers, automatic transfers, telephone transfers, Internet Service transactions, checks, debit card or similar orders to third parties per month from your savings, NOW or money market deposit account. Each funds transfer or bill payment through Internet Service from your savings, NOW or money market deposit account is counted as one of the six limited transfers you are permitted each month. However, payments to your loan accounts with us are not counted toward this limit for savings, NOW and money market deposit accounts.
  11. Periodic Statements. Your Internet Service account activity will appear on your periodic account statement. If there are no transfers in a particular month, you will receive statements at least quarterly.
  12. Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreements with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
    • If, through no fault of ours, your Account does not contain sufficient collected funds to make the transfer. 
    • If the money in your Account is subject to legal process or other encumbrances restricting the transfer. 
    • If a transfer system was not working properly and you knew about the breakdown when you started the transfer. 
    • If circumstances beyond our control (such as fire, flood or power failure) prevent the transfer or use of Internet Service despite reasonable precautions that we have taken. 
    • If you have not properly followed the instructions for using the Internet Service. 
    • If your operating system is not properly installed or functioning properly. 
    • For errors or failures from any malfunctions of your browser, internet service provider, computer, computer virus or other problems relating to the computer equipment you use with the Internet Service, including, without limitation, your inability to access Internet Service or any part of Internet Service. 
    • For a failure to provide access or for interruptions in access to the Internet Service due to Internet Service system failure. 
    • There may be other exceptions stated in our agreement with you
  13. Error Resolution Notice. In Case of Errors or Questions About Your Electronic Transfers Telephone us at 715-822-2249 or Write us at Cumberland Federal Bank, 1390 Second Ave., PO Box 338, Cumberland, WI 54829 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

    1. Tell us your name and account number (if any). 
    2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 
    3. Tell us the dollar amount of the suspected error.

      If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

      We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

      For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

      We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation

      NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD-PARTY PROVIDER IN TRANSFERRING FUNDS OTHERWISE ARISING FROM OR RELATING TO THIS AGREEMENT WILL BE TO CORRECT ANY ERRORS, BUT IN NO CASE WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH OR IN ANY WAY RELATED TO INTERNET SERVICE OR OUR PERFORMANCE HERE UNDER.

      You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys’ fees arising out of or resulting from your use of Internet Service or your breach of any of your obligations under this Agreement. Your obligation to indemnify us shall survive termination of this Agreement.
  14. Termination. We may modify, suspend or terminate your privilege of using Internet Service and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Internet Service, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. You may terminate Internet Service upon our receipt of written notice from you. Termination shall not affect the rights and obligations of the parties for transactions made with the Internet Service before we have had a reasonable time to respond to your termination request.
  15. Third Parties. You understand that support and services relating to Internet Service are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service. You release us from any liability for failures, acts or omissions of any third-party system operator including, but not limited to, unauthorized access to theft or destruction of your information or instructions.

    We will disclose information to third parties about your account or the transfers you make: 
    • where it is necessary for completing transfers; or
    • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 
    • in order to comply with government agency or court orders; or 
    • as explained in our separate Privacy Notice. 
    • If you give us written permission.
  16. Amendment. We may amend this Agreement at any time. Notice will be sent to your email address, as requested by you. Amendments will be effective upon the date indicated in the notice.
  17. General. This Agreement is intended to supplement and not to replace other agreements between you and us relating to your Accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other Account rules and agreements that apply to your Accounts or the functions performed using Internet Service, this Agreement shall govern and prevail. This Agreement is binding upon and inures to the benefit of the parties and their personal representatives, successors and assigns. This Agreement is governed by the internal laws of the State of Wisconsin.
  18. Additional Provisions. (If none are stated here, there are no additional provisions.)

Cumberland Federal Bank Alerts Terms and Conditions

Alerts. Your enrollment in Cumberland Federal Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Cumberland Federal Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Cumberland Federal Bank reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Cumberland Federal Bank Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to 99588} at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Cumberland Federal Bank Online Banking. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 715-822-2249. Our participating carriers include (but are not limited to) AT&T, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Cumberland Federal Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Cumberland Federal Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Cumberland Federal Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.

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