Confidentiality and Security
We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you: Ensuring your financial privacy is of vital importance to the Lytle State Bank and its employees. The Bank limits employee access to confidential customer financial information to those with a business reason for knowing such information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Lytle State Bank employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. The Bank endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on you account statement and appropriate corrections will be made as soon as possible.
Additionally, information you submit via our online banking service is protected by encryption technology that scrambles account information to reduce the possibility of access by unauthorized individuals outside the bank. To further protect your online banking service, the Bank requires the use of an ID and password (Multifactor Authentication). For further details refer to Multifactoring section of this policy.
You may review the information we collect about you and correct any errors in that information by reviewing account statements and any other correspondence from us and notifying us of any inaccurate or outdated information at the address or phone number on your statements. This information can be collected on the Bank's On Line Banking service or IPay (bill pay) service.If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Lytle State Bank, P. O. Box 575, Lytle, Texas 78052, calling us at 830-709-3601 or by faxing us a letter to 830-772-4993.
As of December 31, 2006, financial institutions are required to comply with the Federal Financial Institutions Examination Council (FFIEC) guidance to implement a form of multifactor authentication (MFA). MFA requires the user to supply at least on addition identification factor.
Multifactoring authentication security enrollment will include:
Disclosures to Affiliates or Nonaffiliated Third Parties
Lytle State Bank has never disclosed and does not intend to disclose, nonpublic personal information about our customers or former customers to affiliates or nonaffiliated third parties, except as permitted by law.
Exceptions permitted by law are:
If we offer other products through our Web site from other companies that offer value or service to you, there may be links to the Web sites of these companies. There will be a notice to you that you are leaving the Lytle State Bank site and entering another. These companies have their own privacy policies that may differ from ours. Although we will encourage them to follow privacy procedures, we are not responsible for their use of your personal information should you provide it to them and we recommend that you review their privacy policies before using their sites.
E-mail is not secure in its transmission and may be intercepted and viewed by others. Please do not send any personal or private information by e-mail to us. We may retain information received through e-mail.
Do not respond to internet/e-mail or telephone request for information. Remember that we at Lytle State Bank have your information so we would not initiate a request for your personal or confidential information to "Validate" your accounts. There are many scams circulating and if there is any question, call us before providing ANY information. Keeping your personal information safe is a priority at Lytle State Bank. We use the latest technology to ensure the safety of the information. Refer to the section on PROTECT YOUR IDENTITY (Phishing Information) for more information.
How to File a Complaint
The Lytle State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Lytle State Bank should contact the Texas Department of Banking though one of the means indicated below:
In Person or U.S. Mail:
Children's Online Privacy
We recognize the importance of protecting children's identities and privacy online. Our website is not directed at children under the age of 13, and we do not knowingly collect or maintain personal information from children unless that information is provided to us by an adult who is authorized to do so.