We are dedicated to providing our customers with fair, responsible, and welcoming banking services. We strive to offer straightforward products and convenient service while ensuring compliance with relevant consumer financial protection laws and regulations, including those set forth by the Federal Deposit Insurance Corporation (FDIC). We also align our work with the Community Reinvestment Act, which focuses on providing lending, financial services, and investment to those in our community who need it most.
Our approach to consumer protection:
Our business groups must adhere to our Fair Lending Policy. Our commitment to fair and responsible lending is incorporated throughout the product life cycle, including product development, advertising, marketing, and training.
To support our customers’ needs, we offer a range of overdraft solutions, including an automatic transfer service and an overdraft line of credit.
Before new products or services are introduced to the market, they must undergo a risk assessment and be reviewed and approved by our formal Risk Management Committee. Additionally, any modifications to existing products are carefully reviewed to ensure compliance with rules and regulations.
To protect our customers with credit and deposit
products and services, we are committed to complying with Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) requirements.
Our Advertising and Marketing Policy is designed to comply with all applicable laws, rules, and regulations governing the promotion of our products and services. All marketing materials—regardless of channel—are subject to a rigorous internal compliance review to ensure accuracy, clarity, and consistency with UDAAP standards. We are committed to transparent, fair, and easy-to-understand communication that reflects our communities, minimizes fine print, and builds consumer trust. Applicable employees receive regular training on responsible marketing practices to ensure that advertisements are not misleading and accurately represent products, terms, and services.
Our Board-approved Debt Collection Policy complies with the Fair Debt Collection Practices Act. We require new hire training and annual training, as appropriate, and the Board of Directors remains informed of compliance with this policy through periodic audits. When our customers experience challenging life events that affect their banking relationships, our experienced collections and special assets employees work closely with them to provide assistance, education, and support.
