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Privacy Policy

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. The information can include:

Social Security number and Account Balances;
Income and Employment Information;
Credit History and Credit Scores.

When you are no longer our customer, we continue to share your information as described in this notice.
How?All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reason’s GTSB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes GTSB Share?Can you limit this sharing?
For our everyday business purposes — such as process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes – to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes – information about your transactions and experiencesNoWe don't share
For our affiliates’ everyday business purposes – information about your creditworthinessNoWe don't share
For nonaffiliates to market to youNoWe don't share
Questions?Call (618) 523-4202 or go to
Who we are
Who is providing this notice?Germantown Trust & Savings Bank
What we do
How does GTSB 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 GTSB collect my personal information?We collect your personal information, for example, when you:

Open an Account or Deposit Money;
Apply for a Loan or Make a Wire Transfer;
Use Your Credit or Debit Card.

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 nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.
AffiliatesCompanies related by common ownership and control. They can be financial or nonfinancial companies. GTSB does not share with our affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies. GTSB does not share with non-affiliates so they can market to you.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include Elan Financial Services to market credit card services to you.
Other important information
GTSB is the abbreviation of Germantown Trust & Savings Bank. This notice applies to individual consumers who are customers or former customers. This notice replaces all previous notices of our consumer privacy policy, and may be amended at any time. We will keep you informed of changes or amendments as required by law.