At Heritage Bank, we value our relationship with our customers and are keenly aware of our responsibility and obligations to you. As a customer, you provide us with important information about yourself. We are committed to our responsibility to safeguard your privacy and protect the security and confidentiality of your personal information.
We collect nonpublic information about you from the following sources:
• Open an account
• Deposit Money
• Apply for a loan
• Pay insurance premiums
• Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
We do NOT disclose any information about you to anyone, except as permitted by law. Here are some examples of ways we share information:
• To protect against fraud
• To respond to a subpoena
• To service your account
• To report to a credit bureau
• With your consent
We do NOT under any circumstances sell our customers’ lists or former customers’ lists to anyone for marketing, solicitations, or any other purpose.
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 restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect this information.
Your confidence in us is important and we want you to know that your personal and account information is safe.
If you have any questions or concerns, please contact us at:
Heritage Bank of St. Tammany
205 N. Columbia St.
Covington, LA 70433
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
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
When you are no longer our customer, we continue to share your information as described in this
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 Heritage Bank chooses to share; and whether you can limit this sharing.
Federal regulations enacted pursuant to Section 326 of the USA PATRIOT ACT require all financial institutions to verify the identity of every person who seeks to open an account or become a signatory on an account with the institution after October 25, 2002. All persons are subject to the identity verification requirements even though they may be a long-term customer or well known to the institution.
For the purpose of the regulation, an "account" includes every formal banking relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, trust relationship or safe deposit box rental.
If you request to open an account or become a signatory on an account with Heritage Bank of St. Tammany and we have not previously verified your identity under the new regulatory requirements, we will request documentary verification of your identity, such as a driver's license or passport and will verify your identity through other non-documentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.
Heritage Bank of St. Tammany is required to retain a copy of any document it relied on to verify your identity.