Highest Level of Security and Privacy

American National Bank of Minnesota (ANBM) is committed to providing the highest level of security and privacy regarding the collection and use of our customer's personal information. Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your personal information with the greatest of care. Our employees access information about you only when needed to maintain your accounts or when considering a request from you for additional services. We maintain standards and procedures designed to prevent misuse of this information.

Our Consumer Data Protection and Privacy Practices

ANBM’s board of directors and staff believe it is important to inform you of the data protection and privacy practices that we have instituted, which include:
    1. Established specific security protection practices to ensure privacy of information
    2. Defined control methods to limit access to consumer information
    3. Formalized procedures and processes to ensure the maintenance of accurate information
    4. Established procedures and restrictions on disclosure of customer account information
    5. Defined standards for consumer data collection, use, and methods of storage
    6. Required consumer data privacy covenants in third-party service and business arrangements
    7. Ensured our staff is committed to protect a consumer’s right to data privacy
    8. Disclosed to our customers our privacy benchmarks and provided an overview of institution privacy practices
To ensure that we successfully accomplish these priority practices, as an organization we have:
  • Established formal guidelines for management and staff to ensure the protection of consumer data and staff awareness of data privacy are top priorities
  • Developed and provided to potential and existing customers a detailed notice about our data protection and privacy policy and practices
  • Established guidelines to ensure proper procedures and controls are in place to address those situations required by law when we must disclose nonpublic personal information about you
The consumer data protection/privacy notice serves as a reference guide for consumers, customers, bank staff, and management regarding the protection of your data and your privacy.

Security Procedures to Protect Information

We safeguard information according to established security standards and procedures to help prevent unauthorized access to confidential information about you. Our technology is periodically updated and tested to continue to provide you with the highest level of protection of your privacy and to assure the integrity of your information.

Online banking transactions transmitted between you and our online banking vendor use a 128-bit secure server by VeriSign encrypted with Secure Sockets Layer (SSL) protocol and a router loaded with a firewall to regulate the inflow and outflow of server traffic. Using this high level of technology, your online banking transactions are secure.

The Collection and Use of Information

We need to collect information about you to conduct our business relationship. However, in order to protect your information, we maintain and enforce strict security procedures.
We collect nonpublic personal information about you from various sources including:
  • Information we receive from you on applications or other forms
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from a consumer reporting agency
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
We collect only the information necessary to deliver quality products and services to our customers. Only authorized and trained employees have access to customer information. We also are continually assessing new technology, as it becomes available, to continue to best protect your privacy.

Limited Employee Access to Personal Information

ANBM limits employee access to your personal information to only those bank employees with a business reason for knowing such information. ANBM also educates all employees about the importance of confidentiality and customer privacy. We take appropriate measures to enforce employee privacy responsibilities to further safeguard the privacy of your personal information. Our employees are very well versed in complying with personal information principles.

Maintenance of Accurate Information

We have implemented procedures to help assure that our customer's financial information is accurate, current and complete in accordance with commercially reasonable standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and update information promptly. Customers should notify us immediately by calling 800-940-8445 if they receive what they believe to be inaccurate information regarding their ANBM account.

Restrictions on the Disclosures of Account Information

We do not reveal specific information about our customers accounts or other personally identifiable data to outside parties unless (1) our customer has requested or authorized it; (2) the information is provided to complete a transaction initiated by the customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required. We do not provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing.

Maintaining Your Privacy in Business Relationships with Outside Parties

Sometimes it is necessary to provide personally identifiable information about you to a party outside our bank such as a vendor or service company that we hire to prepare your account statements or to provide support or service for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

"Cookie" Technology

Many commercial websites use a technology called "cookies" to provide you with tailored information from their website. ANBM’s website ( does not use "cookie" technology. We make no attempts to identify individual users unless illegal behavior is suspected.

Our Internet Web Site

Visitors to the web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to submit such information on our “Contact Us” form. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name and the internet service provider from which you accessed the internet, the date and time you accessed our site and the internet address of the web site from which you linked directly to our site.

Visitors may elect to provide us with personal information via email or our “Contact Us” form. This information is used internally, as appropriate, to handle the sender's request and manage the web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that email is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with this level of privacy, please use the reset button on the “Contact Us” form or cancel the email before it is sent. Visitors should call us directly at 800-940-8445 if requests include sensitive or private information, such as your account number or PIN number for your ANBM ATM card or other bank cards. ANBM is committed to protecting your privacy.

Our intent throughout our online presence is to collect only the information we need to deliver excellent service, use that information responsibly and keep you fully informed of how that information is being used.

Protecting Children

ANBM does not knowingly solicit data from children, and we do not knowingly conduct online marketing to children. We recognize that protecting children's identities and privacy is important and the responsibility to do so rests with both the online industry and with parents.

If you believe ANBM has misused information obtained through our relationship with you or through our web site, or if you have any questions or concerns regarding this privacy procedure, please contact ANBM at 800-940-8445 to resolve the issue.

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