FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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.
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.
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:
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 - | Yes | No |
For our marketing purposes - | No | We don't share |
For joint marketing with other financial companies | No | We don't share |
For our affiliates' everyday business purposes - | No | We don't share |
For our affiliates' everyday business purposes - | 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
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
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.
|
Non-affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
|
Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|
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. |
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.