Manufacturers Bank and Trust Company
Commercial Online Banking
Forest City Crystal Lake Clear Lake Lake Mills
It's all about you

Privacy Policy Disclosure

Our Promise - Manufacturers Bank & Trust Company is committed to the belief that maintaining the confidentiality of customer's information is at the core of our relationship with our customers. Our Board of Directors has adopted this Privacy Policy to govern our promise to you, our consumer customers, that we will protect your trust and confidence by following these principles. MBT's Privacy Policy applies to individuals.

Use, Collection and Retention of Your Information - We collect and retain information about you only when we reasonably believe that the information will assist us in our business and in providing products, services and other opportunities to our customers. "Nonpublic Personal Information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, or overdraft history. We collect nonpublic information about you from the following sources:

  • Information we receive from you on applications or other forms - paper or online;
  • Information about your transactions with us or others;
  • Information we receive from a consumer-reporting agency.

Limited Employee Access to Information - One of the ways we protect your information is by limiting our employee's access to information about you to those with a business reason to know your information. In addition, we train our employees about the importance of maintaining the confidentiality of customer information and that they should not discuss or disclose confidential customer information inside or outside of MBT unless required to transact proper bank business. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Accurate Information - We strongly believe that it is in our best interests, as well as yours, to maintain information that is as accurate as possible. We have established procedures to enable customer information to be collected and maintained as accurately and completely as possible. Customers should notify us immediately at Manufacturers Bank & Trust, 245 East J Street, PO Box 450, Forest City, IA 50436 if they receive information regarding their relationship with us that they believe to be inaccurate. If you notify us that information is inaccurate, we will correct the information in a timely manner.

Disclosure of Account Information - We do not disclose nonpublic personal information about you or former customers to anyone, except as permitted by law or listed below.

We may disclose the following information to companies that perform marketing services, process accounts, or service products on our behalf:

  • Information we receive from you on an application or other forms, - paper or online - such as your name, address, e-mail address, phone number, date of birth and social security number as a means of identification for transaction and experience information and;
  • Information about your transactions with us or others such as type of transactions, date of first customer relationship, or balance range.
  • Information that we receive from a consumer-reporting agency, such as your credit worthiness and credit history.
  • Please be assured that we do not provide medical information that we obtain from insurance applications to any third party or any employee without a need to know.

Providing Your Information to Others - We do not sell or share customer information to unrelated third parties to use for their own purposes. We do share information with companies that work for us. For example, we may share information with companies that print checks for us and mail or e-mail customer credit card statements, customer newsletters or other bank-related services. When we transmit such sensitive customer information to third parties over the Internet, we help protect it through use of password-protected data files. These companies are acting on our behalf when they provide these services and are contractually obligated to maintain the information that they receive in a confidential manner. They are not authorized by MBT to use the information for any other purposes.

Our Internet Website - Visitors to the Manufacturers Bank web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us for the purpose of signing up for Online Banking, Bill Pay, e-mail newsletters or other banking services. Standard software is used to collect and store only the non-identifying information about our visitors:

  • The name of the domain from which you access the Internet;
  • The date and time you access our site;
  • The Internet address of the web site or hyperlink from which you linked directly to our site, if any;
  • And user activity while visiting our web site or when accessing our web site from our e-mail newsletter, such as the pages viewed during your web site visit.

If you submit a request for information, it will be transmitted over a secure connection using encryption from our web site. Visitors may elect to provide us with personal information via e-mail. This information is used internally as appropriate, to handle the sender's request or concern. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail communication to us is not secure against interception. Visitors should call us directly at (800) 872-5630 if requests or statements include sensitive or private information such as your account numbers, credit card numbers or social security number.

MBT reminds all of our customers that links in the institution's web site can be found to web sites not under our control. These web sites will not necessarily comply with MBT's Privacy Policy and security standards.

E-mail Communication - If you submit your e-mail address to us, we collect and retain such information in an electronic database. We will ONLY use such information in a means related to the purpose for which it was collected: managing mailing lists, communicating to customers, and tracking correspondence. We may make use of this tracking information (non-identifying information about your user activity, as defined under Our Internet Web Sit above) to help inform us of technical upgrades that could render our web site more functional for our visitors, or to improve our ability to provide more relevant content and information regarding products and services, lending rates and other updates for our customers.

We do not sell or share customer information to unrelated third parties to use for their own purposes. We do share information with companies that work for us. For example, we may share information with third-party vendors, specifically those contracted for online banking, web site maintenance or e-mail communication services. When we transmit such sensitive customer information to third parties over the Internet, we help protect it through use of password-protected data files. These companies are acting on our behalf when they provide these services and are contractually obligated to maintain the information that they receive in a confidential manner. They are not authorized by MBT to use the information for any other purposes.

You may direct us to discontinue e-mail communication with you at any time by contacting: Manufacturers Bank and Trust Company, 245 East J Street, P.O. Box 450, Forest City, IA 50436-0450, (641) 585-2825 or (800) 872-5630, or by e-mail to: mbtcustserv@mbtbank.com.

Manufacturers Bank & Trust Company will always provide you with the opportunity to unsubscribe to any e-mail communication from us at the time we send any outbound e-mail communication to your e-mail address.

Children's Privacy - Our web site is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.

Comments or Concerns by Customers: - Any comments or concerns about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

Manufacturers Bank and Trust Company
PO Box 450
Forest City, IA 50436

Phone: (641) 585-2825 or (800) 872-5630
e-mail: mbtcustserv@mbtbank.com