What Does United Bank of Michigan 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
  • Credit history and credit scores
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 United Bank of Michigan chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does United Bank of Michigan 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 don't share
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share
To limit our sharing 
  • Call 800.968.1990
  • Visit us online: UnitedBank4U.com
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
 
However, you can contact us at any time to limit our sharing.
Questions? Call 800.968.1990 or go to UnitedBank4U.com
Who we are
Who is providing this notice?  United Bank of Michigan and its affiliates
What We Do
How does United Bank of Michigan protect my 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 United Bank of Michigan collect my information? We collect your personal information, for example, when you
  • Open an account or deposit money
  • Apply for a loan or pay your bills
  • Use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates, and 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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies. 
  • Our affiliates include financial companies such as United Bank Insurance Agency and United Wealth Management.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • United Bank of Michigan 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.
  • United Bank of Michigan does not jointly market.
Other Important Information
Rev. Date 02/2017