First Independence Bank Privacy and Security Policy

Your Privacy

This disclosure is required by law and describes our policies and practices that protect your privacy. Enclosed you will find a description of the information we collect and disclose, including the parties who receive nonpublic information from us.

Protecting the privacy and security of your personal and financial information is important to us. As your local community bank, you have entrusted us with the care of this information, and we understand your concerns about guarding your privacy. We recognize that your relationship with us is based on trust, and keeping financial information secure is one of our most important responsibilities.

Protection of Information

We restrict access to nonpublic personal information about you to our employees who need the information to properly service your account, act upon you request or to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Collection of Information

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with our affiliates, others, or us
Information we receive from consumer reporting agencies

Nonpublic Personal Information
We Disclose

We may disclose all of the information we collect, as described within the three bullet points above, to our affiliates and to non-affiliated companies that perform marketing services on our behalf or to other non-affiliated financial institutions with which we have joint marketing agreements.

We do not disclose any nonpublic personal information about our customers or our former customers to anyone, except as permitted by law.

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies.

Please notify us if we report any inaccurate information about your account(s) to a consumer-reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:

First Independence Bank
Attention Compliance Department
44 Michigan Avenue, Detroit, MI 48226

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.

Privacy and Security Disclosure

Consumer Privacy Disclosure

Security Statement




Home Page General Information Locations ATM Locations Career Opportunities Lending Products Deposit Products Retirement Online Banking Treasury Management Calculators Interesting Links Privacy & Security Disclosures Contact Us		Privacy and Security Disclosure Consumer Privacy Disclosure Your Privacy This disclosure is required by law and describes our policies and practices that protect your privacy. Enclosed you will find a description of the information we collect and disclose, including the parties who receive nonpublic information from us. Protecting the privacy and security of your personal and financial information is important to us. As your local community bank, you have entrusted us with the care of this information, and we understand your concerns about guarding your privacy. We recognize that your relationship with us is based on trust, and keeping financial information secure is one of our most important responsibilities. Protection of Information We restrict access to nonpublic personal information about you to our employees who need the information to properly service your account, act upon you request or to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Collection of Information We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms Information about your transactions with our affiliates, others, or us Information we receive from consumer reporting agencies Nonpublic Personal Information We Disclose We may disclose all of the information we collect, as described within the three bullet points above, to our affiliates and to non-affiliated companies that perform marketing services on our behalf or to other non-affiliated financial institutions with which we have joint marketing agreements. We do not disclose any nonpublic personal information about our customers or our former customers to anyone, except as permitted by law. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer-reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: First Independence Bank Attention Compliance Department 44 Michigan Avenue, Detroit, MI 48226 Security Statement Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic. Secure Data Transfer Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session. Router and Firewall Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet loan application and check reorder transactions are secure.