Privacy Policy

We know that Privacy and Information Security are important to our customers and they are important to us, too. Below you will find a link to our privacy policy as well as information about our information security practices.

Our Security Procedures
We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order for us to provide products or services to you. Our employees are bound by a code of ethics requiring confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Internet Banking Privacy
Safeguarding your personal information when interacting with us via the Internet is also extremely important. We apply the standards discussed above in caring for your personal information. When browsing our web site, personal information is not collected. Some areas of our web site require information, such as your e-mail address or your account number, to enable you to perform certain tasks (e.g., to review your accounts or correspond with us). In these cases, we collect the information necessary to interact with you.

We are strongly committed to our relationship with you and want to be sure you understand the steps we have taken to protect your personal information. If you have any questions or comments, please write us at P.O. Box 9020, West Springfield, MA 01090-9020 Attn: Compliance.

This privacy statement applies to individuals and not to business entities or business transactions. We reserve the right to make changes to this statement. The statement is for general guidance and does not constitute a contract, nor does it modify or amend any agreements we have with you. These procedures will continue to remain in effect after you cease to receive financial products and services from us.

The Problem of Identity Theft
Identity theft is a growing crime in our country. Each day, thousands of people become victims of identity theft. Identity theft occurs when someone steals your personal information and uses it to establish credit, charge items, or borrow money using your name.

Protect Your Identity

  • Tear up unused credit offers and other documents containing personal information before discarding them.
  • Guard your social security number.
  • Don’t release information to people you do not know, especially over the phone or Internet.
  • Review your bank statements for accuracy.

If you are denied credit for no apparent reason, obtain a copy of your credit report.

If You Become a Victim:

  • Contact your bank and all others with whom you have a financial relationship.
  • File a police report if you have had a loss. Report the fraud to the major credit bureaus:

For additional help, call the Federal Trade Commission at 1-877-ID-THEFT.

Patriot Act and Customer Identification Program (CIP)
Important information about procedures for opening a new account as required by Section 326 of the USA PATRIOT Act.

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. This mandated Customer Information Program is part of the USA PATRIOT Act, which was signed into law by President Bush in October 2001.

What this means for customers of United Bank and our affiliates:

  • When you open an account, we will ask for your name, address, date of birth and US tax identification number.
  • We will also ask to see your driver’s license or other identifying documents to verify your identity.
  • We thank our customers for their support in this effort.

If you have any questions about our account opening procedures, please contact a Personal Banker at 866-959-BANK.

About our information request form and e-mail
Any information provided to us through our web site (i.e. e-mail or information request forms) will be used solely for answering customer questions, or conducting Bank business. Demographic information – including name, age, e-mail or mailing addresses – will not be distributed, or sold, to any outside source. Our request forms ARE NOT SECURE. Please do not send sensitive information through our information request forms or by e-mail.

Accessing your accounts through PersonalBank
Information handled by PersonalBank remains private, secure and is used only for the normal processing of your account(s). PersonalBank uses state-of-the-art encryption technology to ensure the security of your account information.

Encryption is the method of encoding data so that only those who know the code can translate the data into understandable information.

PersonalBank uses 128-bit encryption (the highest level that the internet browsers handle) to safeguard your account information. The encryption process works like this: while you are sending information from your computer to the PersonalBank system, your browser translates the information into a mathematical code. It is the mathematical code that is actually transmitted to our system. Once the system receives this code, it retranslates it into information that can be used by the Bank.

To ensure the security and privacy of your PersonalBank transactions, we urge our customers to take precautions with their PersonalBank User ID and Password. For example, do not allow others to see you enter your password when accessing online banking. Once you have accessed PersonalBank, do not leave your computer unattended while you are still logged on to the service.

Bill Payment
To use the Bill Pay feature of PersonalBank, it may become necessary for United Bank to use customer information to verify or complete payments or transfers, or to resolve a problem relating to a payment or transfer.

About Cookies
By definition, a “cookie” is a file that a web server places on a computer’s hard drive. “Cookies” can be used to collect information and track the web site usage. PersonalBank uses a “cookie” to ensure that our customers will be able to use the service effectively (i.e. the information collected allows PersonalBank to customize the web layout for each customer). This “cookie” only exists for the length of time you are actually logged onto the PersonalBank site and will cease to exist on your hard drive once you leave the site.

Sending an e-mail
When sending sensitive account or personal information via e-mail, please make such transmissions through the PersonalBank site only. This will ensure that your transmission will maintain the highest level of security and privacy.

If you have any questions concerning our customer information policy, please contact a Personal Banker at 866-959-BANK.