Mobile App Privacy Policy

Online and Mobile Banking Privacy Notice

Last Updated: October 2026

 

Prairie Community Bank (“Bank,” “we,” “us,” or “our”) respects and values your privacy. We offer online banking through our website at www.prairiecommunitybank.com (“Online Banking”) and mobile banking through a third-party service provider, mobile application for Apple iOS and Android devices (the “App”). In this Privacy Notice, Online Banking, the App and our website are together called the “Services.”

This Privacy Notice explains how we collect, use, share and protect personal information when you use the Services, and the choices you have. It applies to anyone who visits or uses the Services, whether or not you are a customer of the Bank.

If you have a financial product or service with us, we will also use and share your information as described in our Consumer Privacy Notice, which is available at https://www.prairiecommunitybank.com/privacy-notice and explains your choices about how we share your personal information. If this Privacy Notice and our Consumer Privacy Notice conflict, the Consumer Privacy Notice controls.

Some features of the Services, including the App, are provided by third-party technology companies that act as our service providers. These companies collect and process information on our behalf and are contractually required to protect it and use it only to provide services to us.

Depending on your accounts and the features you use, the Services may allow you to:

  • get real-time balances for your accounts
  • view your transactions and statements
  • make transfers between accounts
  • pay your bills and manage billers
  • send and receive money with Zelle® and other person-to-person payments
  • deposit a check using your device’s camera
  • manage your debit cards
  • locate branches and ATMs
  • receive account and security alerts

INFORMATION WE COLLECT

(a) Information You Provide to Us. We collect personal information that you provide when you open an account, enroll in or use the Services, apply for a product, or contact us, such as:

  • Identifiers: your first and last name, mailing address, email address, telephone number, date of birth, Social Security number, and driver’s license or other government ID number.
  • Login credentials: your username, password, security questions and answers, and similar information used to authenticate you.
  • Financial and transaction information: account numbers, payment card numbers, card expiration dates and verification numbers, transaction and payment history, and information about billers and people you pay.
  • Communications: if you contact us by email, chat, phone or through the Services, or send us feedback, we collect your name, contact information and the content of your message so we can respond to you.

(b) Information from Your Mobile Device, With Your Permission. The App asks for your permission before accessing the features of your device listed below. You can change these permissions at any time in your device settings.

Camera – used by the App to capture images of checks for mobile deposit and to scan QR codes for Zelle® or other payments.  If you decline you will not be able to deposit checks or scan QR codes in the App.

Photos / Media – used by the App to select a saved image, such as a QR code, for Zelle® or other payments. If you decline you can still enter payment details manually.

Contacts – used by the App to help you choose recipients when sending Zelle® or other person-to-person payments. If you decline you can still enter a recipient’s email or mobile number manually.

Location – used by the App to detect and prevent card and account fraud, and to show nearby branches and ATMs. If you decline fraud tools that rely on location and the branch/ATM locator may not work.

Face ID / Touch ID / Fingerprint – use by the App to let you sign in with your device’s biometric features. Your biometric data stays on your device; we do not receive or store it. If you decline you can sign in with your username and password.

Notifications – used by App to send account alerts, security messages and other notifications you choose. If you decline you will not receive push alerts; email or text alerts may still be available.

(c) Information from Third Parties. We may collect information about you from identity verification services, fraud prevention services, consumer reporting agencies (including credit bureaus), payment networks such as Zelle®, and our service providers, in order to verify your identity, protect against fraud and provide the Services.

(d) Information Collected Automatically. When you use the Services, we and our service providers may automatically collect information about you, your device and how you interact with the Services, such as:

  • Device data, such as your device’s operating system type and version, manufacturer and model, browser type, screen resolution, device type (for example, phone or tablet), IP address, unique device identifiers, language settings, mobile carrier, network information (for example, Wi-Fi or cellular), and general location such as city or state.
  • Online activity data, such as the pages or screens you view, how long you spend on them, the website you visited before coming to the Services, how you navigate between pages or screens, access times and session length.
  • Cookies, which are small text files stored on your device that help you navigate efficiently, remember your preferences, enable functionality and help us understand how the Services are used.
  • Local storage technologies, such as HTML5 local storage, which work like cookies but can store larger amounts of data on your device.
  • Web beacons, also called pixel tags or clear GIFs, which show whether an email was opened or whether certain content was viewed or clicked.
  • Precise location, if you enable location services on your device and agree when prompted. The App collects location only while you are using it, for example to help detect fraud and to find nearby branches and ATMs.

We may associate information collected automatically with other personal information we have about you.

HOW WE USE YOUR INFORMATION

(a) Providing and Improving the Services. We use your personal information to:

  • open, secure and maintain your accounts and your enrollment in the Services;
  • verify your identity and confirm you are an authorized user;
  • process applications, transactions and payments you request;
  • respond to your questions and requests and communicate with you;
  • manage your preferences and settings;
  • monitor, maintain and improve the performance and quality of the Services;
  • send you administrative emails, text messages and push notifications, such as security alerts and service or maintenance notices; and
  • send you surveys, offers and other promotional materials about our products and services, subject to your choices described below.

(b) Compliance and Protection. We may use your personal information to:

  • comply with applicable laws, regulations, lawful requests and legal process, such as responding to subpoenas or requests from government authorities;
  • protect our, your or others’ rights, privacy, safety or property, including by making and defending legal claims;
  • audit our internal processes for compliance with legal and contractual requirements and our policies;
  • enforce the terms and conditions that govern the Services; and
  • prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

(c) De-Identified and Aggregate Information. We may create de-identified or aggregate information that does not identify you, for example by removing your name and other identifying details. We may use and share this information for any lawful business purpose, such as analyzing usage patterns to improve our products and services.

HOW WE SHARE YOUR INFORMATION

We share personal information as described below and in our Consumer Privacy Notice. We do not sell your personal information, and we do not share your personal information with non-affiliated third parties for their own marketing purposes.

(a) Service Providers. We share personal information with companies that perform services for us or on our behalf, such as providing the App and Online Banking, processing payments, verifying identity, preventing fraud, providing customer and technical support, hosting data, conducting quality assurance testing, and analyzing how the Services perform. These companies may use your information only to provide services to us.

(b) To Complete Transactions You Request. When you use features such as Zelle®, bill pay or transfers, we share the information needed to complete your request with payment networks, the people or businesses you pay, and their financial institutions.

(c) Corporate Transactions. We may share some or all of your personal information in connection with, or during negotiation of, a merger, acquisition, financing, sale of assets, or similar transaction, or if our business is transferred in an insolvency, receivership or similar proceeding. Any acquirer will be required to handle your information consistent with this Privacy Notice and applicable law.

(d) Legal Requirements and Protection. Regardless of any choices you make, we may disclose personal information to regulators, law enforcement, government authorities and other parties when we believe it is necessary for the compliance and protection purposes described above.

(e) With Your Consent. We may share your information with other parties when you direct us to or give us permission.

ANALYTICS AND THIRD-PARTY TOOLS IN THE APP

The App uses software tools provided by third parties to help us understand how the App performs, diagnose crashes and errors, and protect against fraud. These tools may collect device data and App activity data as described above.

We do not use information collected through the App to track you across apps and websites owned by other companies, and we do not allow third parties to do so.

LINKS TO OTHER SITES

The Services may contain links to third-party websites and apps. When you click a link, you leave the Services and the other site may collect information from you. We provide links for your convenience, and a link does not mean we endorse the other site or its content. We do not control and are not responsible for third-party sites, and this Privacy Notice does not apply to them. We encourage you to read the privacy notice of every site you visit.

YOUR CHOICES

(a) Access, Update or Correct Your Information. Keeping your information up to date is important. You can update some information by changing the settings in Online Banking or the App. If you cannot make a change online, or prefer to make it another way, please contact us using the information under “Contact Us” below.

(b) Marketing Emails and Text Messages. You can unsubscribe from marketing emails at any time by clicking the “unsubscribe” link at the bottom of the email, or by contacting us. You can opt out of marketing text messages by replying STOP. Even if you opt out of marketing, we will still send you account, transaction and security messages.

(c) SMS and Push Notifications. If you provide your mobile number, we may send you text messages such as fraud alerts. You can stop text alerts by updating your alert settings or unlinking your mobile number in the Services. You can turn off push notifications at any time in your device settings.

(d) Location and Device Permissions. You can stop the App’s access to your location, camera, photos, contacts or biometrics at any time in your device settings. If you do, some features of the Services may not work.

(e) Cookies. You can set your browser to refuse or delete cookies, but some parts of Online Banking may not work properly if you do.

(f) Do Not Track Signals. Some web browsers send “do not track” signals to websites. There is currently no standard for how websites should respond to these signals, and we do not currently respond to them. If a standard is established, we may update this Privacy Notice.

(g) Information Sharing Choices. Your choices about how we share information about you as a customer are described in our Consumer Privacy Notice.

DELETING YOUR ONLINE AND MOBILE BANKING PROFILE

You can ask us to close your Online Banking and App enrollment and delete the information associated with it, such as your login credentials, device information, saved preferences and alert settings. To make a request:

  • in the App, go to More > Delete an Account;
  • online, visit https://www.prairiecommunitybank.com/about-us/contact-us;
  • call us at (815) 568-4100; or
  • email us at info@prairiecommunitybank.com.

We may need to verify your identity before processing your request. Closing your Online Banking and App enrollment does not close your deposit or loan accounts with the Bank. Deleting the App from your device does not close your enrollment or delete your information.

Because we are a regulated financial institution, we are required by law to keep certain records, such as account and transaction records, even after you close your enrollment or your accounts. We will keep that information only as long as required by law or for legitimate business purposes, such as preventing fraud, as described under “Safeguards and Retention.”

SAFEGUARDS AND RETENTION

We use reasonable administrative, technical and physical safeguards to protect the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Information sent between your device and our systems through the Services is encrypted in transit. However, no transmission over the internet is completely secure, and we cannot guarantee the security of your information.

Federal and state laws and regulations require us to retain original, active and historical records. Your personal and financial information will generally be retained for five to ten years, depending on applicable laws, regulations and legitimate business needs, and then securely destroyed.

CHILDREN’S PRIVACY

The Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information online from anyone under 18. If we learn that we have collected personal information through the Services from a child under 18, we will attempt to delete it as soon as possible. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website at https://www.ftc.gov.

PRIVACY NOTICE UPDATES

We may update this Privacy Notice from time to time. When we do, we will post the revised notice in the Services with a new “Last Updated” date. Changes take effect immediately for new users. Your continued use of the Services after changes take effect means you acknowledge the updated Privacy Notice.

CONTACT US

If you have questions or complaints about this Privacy Notice or our privacy practices, want to make a request about your information, or want to report a security concern, please contact us:

Email: info@prairiecommunitybank.com

Phone: (815) 568-4100

Mail:

Prairie Community Bank

PO Box 255

Marengo, IL 60152