Browsing Our Site

You can browse our sites anonymously by choosing not to provide us with any personally identifiable information, such as your name or e-mail address, during your visits to our sites. When you browse this way, we will not be able to link your online activity with the accounts you have with us.

Browsing anonymously after you have identified yourself involves setting your browser to disable cookies and similar files or by deleting the cookies and similar files that you have accepted from us. To do this, you will need to follow your browser's instructions for disabling cookies or deleting cookies. Please note that the use of certain online products, such as Online Banking, do require the acceptance of cookies or similar files.

Cookies and Similar Files

In all cases, cookies and similar files that we place on your computer do not contain any personal information unless encrypted, and we never use cookies or other files to track your use of other web sites. We may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience while visiting our site. Our cookies do not identify you as an individual or by account number.

If you do not accept these cookies or similar files, you may experience some inconveniences in your use of some online products. For example, for Online Banking we will not be able to recognize your computer and you will need to answer a challenge question each time you log on.

Cookies are pieces of information stored directly on the computer you are using. Champion Bank uses cookies in two ways:

• Web Browsing Cookies. Cookies used for Web Browsing can contain a variety of information, such as a simple count of how often you visit a web site or information that allows customization of a web site for your use. Champion Bank uses cookies to display information more effectively to you and to gather data about the usage of our web site.

  Cookies allow us to collect technical and navigational information such as browser type, time spent on our site and the pages visited. They do not contain or capture customer-specific data. We may also use cookies in online advertising to track consumer responses to advertisement. This provides us the capability to monitor the use of our site so that we can continually improve the design and functionality to better serve you.

• Online Banking. Champion Bank uses cookies during your Online Banking session to continually improve the design and functionality so that we may better serve you. By using cookies we can identify particular information such as the state where you are banking so that we do not need to ask for certain information more than once. Cookies are also used for security purposes in conjunction with our service to recognize your computer. Any time a cookie is used, personal information is encrypted and used solely to support your Online Banking activity.

• Similar Files. Some web sites use technologies similar to cookies to store information. As with cookies, we never store personal information unless encrypted, and we never use the information to track your use of other web sites.

Collecting information

When you visit our web site, we may collect the following information in order to service your accounts, save you time and money and better respond to your needs:

• Application Information. Information that you provide to us online in applications and other forms. Examples include your assets, income and debt.
• Identification Information. Information that identifies you such as your name, address, telephone number and Social Security number.
• Transaction and Experience Information. Information about your online transactions and account experience, as well as information about our online communications with you. Examples include your online bill payments and your activity on the Web site, such as collecting information on product information reviewed.

Privacy Statement

At Champion Bank, we know and understand how important protecting your financial privacy is to you.  Concerns for customer privacy and confidentiality are cornerstones of
banking.  For these reasons, we have adopted the following privacy practices to assist you, our valued customer, in understanding the measures we take to protect your personal and financial 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 us or others
- Information we receive from a consumer reporting agency

Champion Bank does not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  However, we may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. If you decide to close your accounts or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Champion Bank restricts access to your nonpublic personal information 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 guard your nonpublic personal information.