Online Privacy & Security

Please note: this page is intended to inform website and online services users about our online privacy and security practices. If you are looking for the Customer Privacy Policy, you can find it here.

We Value Your Privacy

At Byron Bank, protecting your privacy is our priority - online, offline, and everywhere in between. As part of our social media and communication guidelines, we want to remind you of the following:

• Byron Bank will never request confidential information - such as your username, password, or account number - through social media platforms.
• However, when you contact us directly, we may ask you to verify your identity using established procedures to protect your account and ensure we're speaking with the rightful account holder.

If you receive a suspicious message asking for personal or banking information via social media, email, or phone, please notify us immediately by calling 815-234-2561 or emailing [email protected].

Your personal privacy is important to us. You have the right to know how we collect, retain, and use your information. Byron Bank has always prioritized the protection of your confidential data and has set high internal standards to prevent misuse. From the moment you engage with our services, we treat your information with the utmost care. Our privacy practices are built upon long-standing principles of trust and transparency ensuring your confidence in every interaction.

Customer Identification Requirements

In accordance with the USA PATRIOT Act and other applicable federal laws, Byron Bank is required to help the government combat the funding of terrorism and money laundering activities. As part of this effort, all financial institutions must obtain, verify, and record identifying information for anyone who opens an account.

What this means for you: When you open an account with Byron Bank, we will request your name, address, date of birth, and other identifying details necessary to confirm your identity. We may also ask to review government-issued identification, such as a driver’s license or passport, to fulfill these legal requirements.

Employee Commitment to Confidentiality

From the onset of the hiring process, we emphasize to all employees the critical importance of maintaining client confidentiality. This responsibility is reinforced through regular training and internal communications to ensure our team remains vigilant and respectful of your privacy.

Due to the sensitive nature of financial data, any misuse or unauthorized disclosure of customer information by an employee is treated with the utmost seriousness and may lead to disciplinary action, including termination of employment.

Sharing Information with Third Parties

Byron Bank partners with carefully selected vendors and service providers to deliver quality products and services. These third parties are granted limited access and are strictly prohibited from releasing, using for other purposes or selling this information. We do not sell customer information to any outside parties.

We may share certain information with credit reporting agencies in accordance with standard banking industry practices. Additionally, some data such as mortgage filings are a matter of public record and may be accessible through county records.

There may be occasions when we are legally obligated to disclose customer information to comply with court orders, subpoenas, fraud investigations, or lawful requests from government authorities.

Accuracy of Information and Right to Correct

We are committed to maintaining accurate and up-to-date information about you and your accounts. While we strive for precision, occasional errors may occur. If you believe any of your information is incorrect, we encourage you to contact us directly. We will thoroughly investigate your concerns and promptly correct any inaccuracies.

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate information reported to Consumer Reporting Agencies. Please notify us in writing at:

Byron Bank
200 N. Walnut St.
P.O. Box 901
Byron, IL 61010

Computer Systems and Information Collection

When you open an account or obtain a loan with Byron Bank, your personal and financial information is securely entered into our internal computer systems. All of our loan and account processing data is then uploaded to our core system, which features highly advanced cybersecurity measures to protect your information.

To further safeguard customer data, each employee is granted system access based strictly on their job responsibilities. This ensures that staff can only view information necessary to perform their duties, helping to prevent unauthorized access and protect the confidentiality of your records.

Website Security and Online Privacy

Byron Bank recognizes the importance of safeguarding your personal and account information. Our ability to securely provide financial services is a shared responsibility: while we implement robust security measures, we also rely on you to protect your access codes, passwords, and PINs.

To protect your data during online transactions, Byron Bank employs advanced security technologies, including firewalls and authentication procedures. We continuously enhance these protections to ensure that only authorized users can access sensitive account services via personal computers or mobile devices.

When you use our online banking features, you will be required to authenticate your identity using secure access credentials. This process helps ensure that your banking experience remains both convenient and safe.

Your Privacy Matters to Us

When you visit our website, your personal identity remains anonymous unless you choose to share information with us, like filling out a contact form or sending feedback.

We do collect general information, such as the time of your visit, the pages you view, and your internet service provider. This data helps us understand how people use our site so we can improve your experience.

Like most websites, we use cookies and similar tools to:

• Recognize your computer or mobile device
• Remember your preferences or login details
• Personalize content that may be most relevant to you
• Measure how well our website is working and identify areas for improvement

Any personal information you choose to provide is used only for internal purposes. We never sell or share your information without your consent. Find more information in our Cookie Policy.

Online Banking System Security

At Byron Bank, your digital safety is a top priority. Our online banking system employs the latest in internet security and user authentication technologies to ensure that all data transmitted through our platform is protected from unauthorized access.

Our core provider ensures robust security; our online banking servers are strictly managed by our core provider’s cutting-edge firewall hardware and software. These firewalls act as gatekeepers, allowing only authorized traffic to pass through and blocking any unauthorized attempts to access the online banking servers.

Data Use and Confidentiality

Any personal information submitted by email or online applications is used exclusively to fulfill your requests and respond to inquiries. This data is handled with care, used internally, and is never sold or distributed to outside parties.

Consumer Communications

When customers submit information to Byron Bank via email or through application forms, it is used exclusively for internal purposes—primarily to process requests and respond to customer inquiries. If your communication includes non-public personal information, we strongly encourage you to use our Secure Mail feature within Online Banking or to ensure the message is encrypted. This added step helps protect sensitive data during transmission.