West Town Bank & Trust Privacy Policy

This policy is effective 01/24/2024 and may be amended from time to time.

West Town Bank & Trust (Bank, WTBT) WTBT is committed to treating and using personal financial information about you responsibly. WTBT only collects data that is necessary for business purposes. The WTBT Privacy Policy explains what personal information we collect, why we collect it, how we protect it, and how and why in certain cases we may share it among WTBT companies or with select other parties. We also tell you how to exercise your personal information sharing and use choices.

What WTBT Does With Your Personal Information

View or Print the WTBT Privacy Notice, What Does WTBT Do With Your Personal Information?

WTBT will post online any changes to the WTBT Privacy Policy and the WTBT Website Customer Information Privacy Policy on or before the effective date of such changes. You will be able to determine the date of the last change by noting the revision (Rev.) date of the policy. If you have already notified us of your information sharing preferences, you do not need to notify us again.

To limit our sharing, you can:

  • Call 708-447-3330 – our menu will prompt you through your choice(s).
  • Online Banking Customers – simply sign-on at www.westtownbank.com then go to Customer Service – Privacy Preferences to make your choice(s).

If you are not currently a WTBT Online Banking customer, you may click here to “Get Started” and enroll.


WTBT Online and Mobile Privacy Policy

WTBT’s Commitment to You

WTBT is committed to respecting and protecting the privacy of our online customers and site visitors. We protect your information online with the same care we utilize for all WTBT transactions. This online privacy policy explains what information about you we collect, and how we use and protect it in mobile and internet commerce. Our online and mobile privacy practices strictly abide by the terms of our privacy notice, What Does WTBT Do With Your Personal Information provided above.

Personal Information

Personal information refers to any information about you that is personally identifiable to you. Your telephone number, name, address, and transaction history are examples of information that pertains to you personally.


Data in the context of our online and mobile privacy policy generally refers to other information that we collect through your internet or mobile activities, or which third parties may collect on our behalf. Such data may or may not be personally identifiable to you. Geolocation data collected from your mobile device when you ask for the location of the nearest ATM is personally identifiable when obtained through Mobile Banking.

Information Collection

We Collect Personal Information About You When:

  • You Provide Personal Information to Us. WTBT collects personal information online that you provide to us, such as when you log in, on applications you complete, and when you use our products and services. We may also monitor, record and maintain records of your online and offline communications with us, including when you contact us through our website or mobile app or otherwise communicate with us, such as by email, phone, chat and postal mail.


  • We Obtain Personal Information from Others. We obtain personal information from third parties such as credit bureaus and others to tailor your online experience.


  • We Gather Information Online. WTBT uses tools (some of which may be hosted or provided by our third-party vendors), such as cookies, click stream auditing and other methods, to gather information for internal uses such as Web analytics and to personalize our content and advertising. We may also use these tools to secure and operate our website and for fraud prevention and verification purposes.  For example, we and our third-party vendors may also use tools that enable us to record, review, and analyze your communications with us by email, phone, or chat, or through our website or mobile app, as well as your online and account-related activity, such as online banking transactions and other actions taken within or through your account. We do this to maintain records of account-related activity and transactions, detect, prevent and respond to actual or suspected security incidents, errors, fraud or misuse, and for other quality, training, verification, security and support purposes.


Cookies are small pieces of information that a Web site stores on a visitor’s Web browser to remind the site about the visitor the next time they visit the site. WTBT does not store confidential or sensitive personal information in cookies. WTBT uses cookies to enhance our customers’ online banking session by making navigation easier and providing important security features. For certain applications, such as Online Banking, cookies are a requirement because they help protect the privacy of a customer’s transactions by, for example, automatically terminating the online session if the customer forgets to log out.

You may adjust cookie settings for westtownbank.com by clicking the blue ‘Cookies Yes’ icon in the bottom left corner of your browser.

Cookies cannot be used to capture your e-mail address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a Web site other than the one that set the cookie. Some Web sites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. You will need to manage your cookie settings for each device and browser you use. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preference.

Click Stream Auditing
Click Stream Auditing includes information such as a web surfer’s IP address, web pages which have been viewed or acted upon by a web surfer, date and time, domain type, and when a web surfer has responded to an advertisement. We may occasionally combine this information with individual information on an aggregate level to determine the effectiveness of our advertising.

Action Tags and Other Technologies
Action Tags are commonly referred to as Web beacons or pixels. This type of technology is inserted in various places within our Web site to collect anonymous information about your visits to the WTBT site and your interaction with our ads and content. WTBT may use certain technologies to collect additional information related to the status and condition of your mobile devices. This information may be used to support the security of your transaction with WTBT, determine industry trends, and for other research purposes.

WTBT may use information on file with your wireless operator to verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the WTBT Mobile Banking Service (“Service”). You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber details, if available, to our service provider for the duration of the business relationship, solely for identity verification and fraud avoidance. See other sections of the WTBT Privacy Policy and this Online and Mobile Privacy Policy for information about how we treat your data.

Information Use

Personal information that we collect about you is used to provide you with optimal online experiences with us. We use it to help determine your financial interests and needs in order to recommend relevant products and services. We use personal information about you to qualify you for products and services that you request, to process your transactions, authenticate your identity, prevent fraud, and to keep your information and financial transactions secure.


Information Sharing

WTBT does not sell personal information about its customers. WTBT shares your personal information to run its everyday business with select third parties in accordance with the terms described in our privacy notice. The notice also provides a contact number for you to limit certain sharing. Additional information is provided below under Advertising and Tracking and under Your Options. We may share personal information when required by law or a subpoena or court order. We may also share personal information when we suspect fraud or for risk management purposes.



WTBT websites and mobile applications are not directed to children and do not knowingly collect information from children.



WTBT does not maintain a process which allows visitors to review and request changes to any of his or her personally identifiable information, including information that is collected through the use of cookies or other tracking devices, on the Web site or our online service. If you believe that WTBT customer records contain any incorrect information about you, please contact us using the customer service contact information provided on your bank or investment statements, or other communications from us pertaining to the products and services you use. You may also contact your local branch, relationship manager.


Retention and Destruction

WTBT retains personally identifiable information as long as necessary to provide the products and services for which the information was collected, to process and maintain a record of transactions, and as long as necessary for legal process or to satisfy government retention requirements. When the retention period expires, WTBT destroys data that was maintained in any form in a manner that renders it completely unusable and incapable of restoration.


Tracking and Online Advertising

We use third party advertising and media companies to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of cookies and Action Tags (commonly referred to as Web beacons or GIF tags), which are inserted in various places within our Web site, such third party companies may collect anonymous information about your visits to the WTBT site and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other web sites before visiting our Web site. This information is used to understand your browsing behavior and interests so that we can identify your financial needs and provide service and advertising that is tailored to you.


Behavioral Targeting

The third party companies we use for online tracking have a network of advertising companies and may share anonymous information about your visits to westtownbank.com and other Web sites with us, and may use it in order to provide ads about goods and services of interest to you and which would be relevant to you, based on your browsing on westtownbank.com. From time to time, we may also share anonymous information with such third party companies in an aggregate form, for purposes of analysis and improvement of our Web site. If you would like more information about the use of third-party cookies and tags, or the process of opting out of such cookies or tags, please go to (External)www.networkadvertising.org.


Geolocation Data

WTBT does not access location data stored on your mobile device without your permission. Some features will not fully function unless you have enabled access to your location data.


Social Media

WTBT maintains information on social media sites like Facebook, Twitter, and LinkedIn. When you post information on WTBT social media pages it will be subject to the privacy and security conditions of the social media site. When you log into WTBT owned social media properties, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a blog or provided a rating.

WTBT mobile applications are not socially enabled and do not allow you to connect to and share information with a community of other users, such as Facebook or Twitter, or LinkedIn.


Online Tracking and Advertising

WTBT uses third-party advertising networks to distribute our advertisements on other websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture certain information, such as IP address, usage information, or your responsiveness to our advertisements. However, the technologies used do not capture information that identifies you individually. WTBT does participate in third party ad network self-regulatory programs for online behavioral advertising.

Pursuant to these programs, WTBT honors Do Not Track opt-out preferences that you make to third party advertising networks that we hire to perform online advertising on our behalf.

Two examples are the: (External)Digital Advertising Alliance’s (DAA) Self-Regulatory Program for Online Behavioral Advertising and (External)DoubleClick. Click on either or both of these links to stop online advertising from WTBT by either of these ad programs. You can also help limit the amount of online advertising you receive by visiting (External)www.networkadvertising.org to opt-out of advertising from Network Advertising Initiative member companies.

We do not deliver online advertising to customers that have opted out from the receipt of commercial email from WTBT when an online advertising campaign utilizes customer email addresses in connection with a hashing process that anonymously matches our ads to our customers who have a presence on select websites.

WTBT does not provide a Do Not Track opt-out mechanism to prevent online advertising to you. Instead, we utilize the established industry mechanisms discussed above.

WTBT does not respond to a do-not-track signal from your browser. See (External)www.networkadvertising.org for information on how to opt out from third party cookies or tags. As noted above, when you use WTBT’s web sites, third parties used by WTBT may collect certain information which does not identify you individually on the WTBT web sites or on other sites where WTBT advertises. Please review the Privacy Policies of all web sites you visit to ascertain the type of information collected on those sites. The type of personal information that WTBT collects online about you is identified above under heading Personal Information and Data, subsection: We Collect Personal Information About You When.


Location Tracking

Online advertising that relies on location tracking can be prevented by refusing to grant permission to use location data stored on your device. You can also set your device to block access to location data stored on your device. Refer to the user guide for your device.


Controlling Cookies

Visit the (External)Federal Trade Commission to learn more about how to limit tracking and online advertising through controlling cookies and other tracking technology that is attached to your browser.


Joint Marketing

Joint marketing enables financial institutions to legitimately share customer information with another financial institution under a marketing arrangement to sell financial products and services. This practice is described in WTBT’s privacy notice, under Definitions.


Affiliate Sharing and Marketing

WTBT has no affiliates, nor does it share with nonaffiliates or provide joint marketing.


WTBT offers multiple ways to correct inaccurate personal information:

  • As a WTBT customer, you have the capability to immediately correct inaccurate information by logging into your Online Banking account at WWW.westtownbank.com
  • By calling 708-447-3330
  • By visiting our North Riverside Branch


Additional Information

Policy Changes

The effective date of this policy is provided above. Any updates or changes to the policy will be posted on this web site with the new revision date which is the effective date of changes and will be included in the annual privacy notice. Your continued use of this website constitutes your acceptance of any changes to this policy.


You may contact us using the customer service contact information provided on your bank statements, or other communications from us pertaining to the products and services you use. You may also contact your local branch, or relationship manager.

Other Information Resources

(External)Federal Trade Commission, Consumer Information: Privacy and Identity

(External)Federal Communications Commission, Consumer Publications Library

(External)Federal Trade Commission — Cookies