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Privacy Policy

What Does Southern Illinois Bancorp, Inc. Do With Your Personal Information?

Rev. Date 1/1/23

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 Southern Illinois Bancorp, Inc. chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Southern Illinois Bancorp, Inc. 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 Yes
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 We don't share
For our affiliates’ everyday business purposes
information about your creditworthiness
No Yes
For our affiliates to market to you No Yes
For our non-affiliates to market to you No We don't share

To limit our sharing:

  • Call toll-free (800)538-3979
  • E-mail us at
  • Mail the form from our PDF
    Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided or 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.

Who we are
Who is providing this notice? The following is a list as of January 1, 2023 of the Southern Illinois Bancorp, Inc., family of companies to which the privacy notice applies: The First National Bank of Carmi ("First Bank") Southern Illinois Title Service, Inc.

What We Do
How does Southern Illinois Bancorp, Inc. 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.
How does Southern Illinois Bancorp, Inc. collect my personal information?
We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Make deposits or withdrawals from your account or enter into an investment advisory contract
  • Apply for financing
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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account
Companies related by common ownership or control. They can be financial and non-financial companies.
  • Our affiliates include financial companies, such as The First National Bank of Carmi, ("First Bank"); non-financial companies, such as Southern Illinois Title Services, Inc.
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Southern Illinois Bancorp, Inc. 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.
  • Southern Illinois Bancorp, Inc. doesn't jointly market.

Supplemental Mobile Privacy Disclosure

Before proceeding please take a moment to read and understand what personal information your banking app might collect under certain circumstances and how this information is used.

For more details please see the Privacy Policy above from First Bank.

Why do we request access to personal information? The application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device’s settings.

Some possible examples of information your app may request access to are:

  • Location: Your location is used to prevent fraudulent activity and to display locations near you.
  • Camera: This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat.
  • Device Information: We may collect information about your mobile device and internet connection, including the device's unique device identifier, operating system, browser type, mobile network information, and the device's telephone number.
  • Transaction Information: We may collect your financial, payment, and transaction activity and history (including purchase history).
Account deletions options cannot be added to this application as it is a banking application and is under Federal Regulations. Deleting a bank account would be in direct violation of several federal regulations and acts. The Federal Deposit Insurance Corporation and Bank Secrecy Act requires banks and other financial institutions to implement Customer Identification Programs in an effort to prevent money laundering. These programs mandate that banks obtain and retain checking and savings account customer data, including contact, identification and tax information, FDIC and BSA regulations stipulate that bank must keep this information for at least five years after the account is closed.