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Why We're Different

Morganton Savings Bank is Burke County’s only local financial Institution, serving our friends and neighbors since 1903. We are perennially ranked in the top 1% of institutions Nationwide for safety and soundness, a testament to our Conservative business principles and common sense. At Morganton Savings your money is always safe and sound.

 

 

Phishing: Important Notice

Morganton Savings will never initiate an email asking you to submit personal information via the internet. We warn you to protect your personal information and be cautious of any email that asks you for such information.

 

 

privacy policy

FACTS

WHAT DOES MORGANTON SAVINGS BANK S.S.B. DO WITH YOUR PERSONAL INFORMATION?

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. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • 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 customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information: the reasons Morganton Savings Bank S.S.B. chooses to share; and whether you can limit this sharing.



Reasons we can share your personal information Does Morganton Savings Bank S.S.B.? Can you limit this sharing?
For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes -

to offer our products and services to you
No We don't share
For joint marketing with other financial companies  No We don't share
For our affiliates' everyday business purposes -

information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share
For our nonaffiliates to market you  No We don't share



Questions
Call 828-437-1426 or go to www.morgantonsavngs.com



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What we do
How does Morganton Savings Bank S.S.B. 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.

We restrict access to your personal and account information to employees who need to know that information to provide services.

How does Morganton Savings Bank S.S. B. collect my personal information? We collect your personal information, for example when you:
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
We also collect your personal information from others, such as credit bureaus.
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 law and individual companies may give you additional rights to limit sharing.



Definitions
Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
  • Morganton Savings Bank S.S.B. has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non financial companies.
  • Morganton Savings Bank S.S.B. does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Morganton Savings Bank S.S.B. doesn't jointly market.