Privacy Policy


Rev. 05/2024

FACTS WHAT DOES PIONEER BANK, NATIONAL ASSOCATION ("Pioneer") 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
  • Assets and credit history
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 Pioneer chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Pioneer share? 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		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes –
information about your transactions and experiences		 Yes No
For our affiliates' everyday business purposes –
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We don't share
To limit our sharing
  • Call (518) 730-3000 or (888) 231-9077 – our staff will inform you of your options and document your choices; or
  • Visit us online at www.pioneerny.com; Online Banking customers only (Login and click on Services)
    Please note:
    If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions? Call (518) 730-3000 or (888) 231-9077
Who we are
Who is providing this notice? Pioneer Bank, National Association, 652 Albany-Shaker Road, Albany, NY 12211
What we do
How does Pioneer 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.

Contractual agreements with third parties ensure your personal information is protected including use of cookies that only collect anonymous traffic data and don't harm your computer or transmit personal data.
How does Pioneer collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Make deposits or withdrawals from your account
  • Provide account information
  • Show your driver's license

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include financial companies and insurance agencies such as Pioneer Wealth Management and Pioneer Insurance Agency, Inc.
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Pioneer doesn't share with non-affiliates so they can market to you.
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies.