Important Information

We may modify these Terms of Use.

ABOC reserves the right to change the terms, conditions and notices under which the ABOC site is used. You are responsible for regularly reviewing these Terms of Use.

This site is designed for your personal use

The ABOC website is for your personal use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from the ABOC site.

Your personal information will be secure and will be kept private

ABOC has developed policies and procedures to protect your personal information. Please refer to our Privacy Policy and Security Policy pages for further information.

Links to third-party sites are provided for your convenience

The ABOC website may contain links to other websites ("linked sites"). The linked sites are not under the control of ABOC, so ABOC is not responsible for the contents of any linked site, including any link contained in a linked site, or any changes or updates to a linked site. These links are provided to you only as a convenience, and the inclusion of any link does not imply endorsement by ABOC of the site.

Conditions of Use

As a condition of your use of the ABOC website, you warrant to ABOC that you will not use the ABOC website for any purpose that is unlawful or prohibited by these terms, conditions and notices. You may not use the ABOC website in any manner that could damage, disable, overburden or impair the ABOC website, or interfere with any other party's use of the ABOC website.

Social Media Terms of Use

Community Guidelines 

Thank you for visiting our social media platforms, including Facebook and LinkedIn. We will do our best to ensure all postings on our page are in line with ABOC values. We enjoy hearing your comments and discussions and encourage you to:

• "Like" content that you enjoy or find meaningful
• Share information that you believe your network may find interesting

ABOC reserves the right to delete or hide content that falls into the following categories from individuals, brands, groups, organizations and any other social media page for any reason, including posts that are:

• Private or secure
• Depicting dangerous activities or threats
• Abusive, defamatory or obscene
• Fraudulent, deceptive or misleading
• In violation of any intellectual property right of another
• In violation of any law or regulation
• Spam, self-promotion or irrelevant advertisements
• In violation of Facebook's Terms of Service
• Otherwise offensive

Please keep in mind ABOC does not endorse third-party links that appear on these sites. Comments posted on ABOC content do not represent the opinions of ABOC.

Your financial security and personal privacy is taken very seriously. This is a public forum and we ask that you do not post sensitive personal or financial information. ABOC will never ask for User ID(s), password(s) or PIN(s), Social Security number(s), card or account number(s), cardholder verification value(s) (CCV2), or user defined information (i.e. mother's maiden name, first pet, etc.) If such a link is received, please immediately forward it to customerservice@aboc.com.

ABOC social media pages are fun communities for fans of ABOC. Information shared on these pages is for informational and entertainment purposes only. For more information about our products and services, please call 312-822-3000.

At ABOC, we value each and every customer relationship. Customers such as you have entrusted us not only with your finances, but also with certain personal information. Our commitment to protect your financial information is of the utmost priority, as set forth by our privacy principles and online guidelines described below.

Consumer Privacy Act Policy

Both types of loans can be customized based on your personal circumstances to give you even more value. Ask your Amalgamated Bank of Chicago Loan Officer to help you select the terms that make the most sense for you.

When you browse the public sections of our website, none of your account or personal information is obtained. We will gather data on website activity, such as how many people have visited the website, how long they stay on the site and which web pages they visit. Visitor data is collected on an aggregate, anonymous basis and no personal information is associated with this data.

The information we collect is used to:

• Improve the content of our website for your future visits
• Customize the content and/or layout of our pages for each individual customer
• Notify customers about updates to our website (if you have asked to be notified of updates or new releases)
• Notify customers of new products
• Implement ABOC Link Enhanced Security

Online Banking

When you bank online with ABOC, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.

We use state-of-the-art internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password to access your accounts. In addition, we utilize the ABOC Link Enhanced Security Solution, which adds a layer of protection to your online account by letting you know you're at our real website and letting us know it's really you trying to access your account. If you do not provide this information, we cannot establish an online banking service for you.

You can also help maintain the security of your banking information by not sharing your I.D. or password with anyone, by changing your password regularly, and by remembering to sign off.

Access to Information Collected

By ABOC Employees. Certain ABOC employees will be provided with a visitor's information in order to respond to that visitor's needs and provide the visitor with information regarding specific products in which the visitor may have an interest. In both Internet and non-Internet banking situations, our employees are instructed to use strict standards of care in handling the personal and confidential information of ABOC customers. Employees who violate our privacy policies will be subject to our normal disciplinary process.

By Third Parties. We do not transmit any personal information collected through our website to any third-party marketers. Personal information may be transmitted, however, if there is a specific need to complete a transaction requested by the visitor. We offer the opportunity to our website visitors to link to the web pages of third parties who provide products and services not offered by us. Once the visitor leaves our site, we do not receive any information from the visitor.

Use of Cookies. To provide better service and a more effective website, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your email address. Cookies are commonly used on websites and do not harm your system. We use cookies in places where you need to register, such as Internet banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized. We also use cookies to identify which sections of our site our customers visit most so we can continue to provide more information on the topics and subjects in which our customers have demonstrated interest. Finally, we use cookies to enable our ABOC Link Enhanced Security Solution. When you log on for the first time from a new computer, we put a secure cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. When you log on after that, your web browser sends us this cookie. This lets us know that this is your computer. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your email address. By configuring your preferences and options in your browser, you determine if and how a cookie will be accepted.

California Residents

Categories of Information We Collect. If you bank online with us or request information from our website, we may collect your:

• First and last name
• Home address
• Telephone number
• Social Security Number
• Email address
• Other identifying information

Categories of Third Parties With Whom We Share Information. We share the information we collect only as necessary to serve you or complete a transaction you request, as explained in the "Access to Information Collected" section above.

Effective Date. This policy is effective January 1, 2009.

Changes to this Policy. If our information practices change at some time in the future, we will post a notice of the changes on our website. You may check our website periodically for notices of changes.

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Unlawful Internet Gambling Enforcement Act

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet gambling.

Fraud never sleeps. It is an industry of global, organized, and tech-savvy crime.
You are the answer. You can beat fraud.

ABOC takes secure banking very seriously. Our online banking platform uses secure technology to encrypt your personal information. By working together, we can make your online banking experience convenient, safer, and more secure.

General Security Practices

• Make sure your computer and device software are up to date. Use automatic updates for your PC and your phone.
• Keep your login credentials in a password safe. These encrypted stores remember your passwords for you and prevent them from being stolen. Examples include free utilities like Bitwarden and PWSafe or affordable utilities such as LastPass, Bitwarden. We recommend that you use a unique, secure password for your online ABOC accounts.
• Only deal with vendors you have a reason to trust. Emailed advertisements are often malicious.
• Have good antivirus software installed.
• Never put your full account number, user name, or password in an email, even to us.

Email Security

• Malicious actors imitate executives every day. Never move money because you received an unexpected email from an executive until you have confirmed the email by phone.
• Be extremely cautious about any message that involves money. Have a dual-step process in place for wire transfers. This can include verbal communication using a telephone number known by both parties.
• Do not open attachments you were not expecting—even when they come from people you trust. Email accounts are compromised every day. Call the sender using the number on file.
• Hover your mouse over links before you click. Be sure you know what you are opening.
• Be aware of small changes in email addresses that mimic legitimate email addresses.

Government Agency Alerts:

There are several U.S. government agencies that monitor, track and report on cybersecurity events that threaten Americans. These agencies provide analysis with actionable information for response to the threat. The following links will help raise your awareness of the American cyber-threat landscape.

Links:

• FBI
• FBI – Internet Crime Complaint Center
• US-CERT
• FS-ISAC Security Tips Newsletter

Member FDIC. Equal Housing Lender: NMLS #648711

In an effort to protect you and our country, the USA PATRIOT ACT was signed into law. To help the government fight the funding of terrorism and money laundering activities. Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new and current customers.

What this means for you:

When you open an account, we will ask each person for their name, physical address, date of birth and other information that will allow us to identify them. We will also ask to see each person’s driver’s license or other identifying documents and copy or record information from each of them.

Important information about opening a Legal Entity Account

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

Each time and account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for:

• Each individual that has beneficial ownership (25% or more) and,
• One individual that has significant managerial control, of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

Our Ethical Promise to You

At ABOC, we commit to the highest standards of ethics, integrity and fairness and professionalism. We believe that you want to conduct business with an organization that values honesty and integrity, not only because the law requires it, but also because it is the right thing to do. While reaching our business goals is critical to our success, equally important is the way we achieve them.

To learn more about our commitment to an ethical approach to your banking, a copy of our Corporate Code of Conduct can be found here.

Reporting Your Concerns

If you want to report a concern regarding ethical business conduct, please send an email with your comments to EthicsReport@aboc.com or you may send your comment to us in writing:

Attention: General Counsel
ABOC
30 N. LaSalle Street
Chicago, IL 60602

The Ethics Report mailbox is answered by and can only be accessed by the Bank’s General Counsel and Compliance Officer. The Ethics Report mailbox is available to employees, customers, vendors, and stakeholders as a method for reporting conduct that may be unethical, illegal, or a violation of professional standards.

Do not send any personal information in an email (such as account numbers, etc.) as email is not a secure form of communication.

During investigations, we keep the identities of employees who report concerns confidential to the fullest extent possible. We ensure questions and concerns are handled discreetly and thoroughly.