Privacy Policy

FACTS WHAT DOES HERITAGE BANK 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 information we collect and share depend on the product or service you have with us.  In the course of normal operations, this information can include: 

  • Social Security number
  • Account Balances
  • Transaction history
  • Overdraft history
  • Payment history
  • Credit history

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 Heritage Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does Heritage Bank share?
Can you limit this sharing?
For our everyday business purposes -
Such as to process your transactions, maintain your accounts(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 affiliate’s 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 non-affiliates to market to you
No
We don't share

Questions?

Call toll-free 757-648-1700 or go to www.heritagebankva.com.

What we do
How does Heritage Bank 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 maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Heritage Bank collect my personal information?

We collect nonpublic personal information about you, for example, when you:

  • Open an account
  • Apply for a loan
  • Give us your contact information
  • Provide your mortgage information 
  • Make a wire transfer

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.

Definitions

Affiliates

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

  • Heritage Bank has no affiliates.

Non-affiliates

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

  • Heritage Bank 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.

  • Heritage Bank doesn’t jointly market.

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In the News

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in "noninterest-bearing transaction accounts" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account (or demand deposit account) on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov. You can also use the FDIC Insurance Coverage Estimator "EDIE" to calculate FDIC coverage