Privacy, Security, and Terms & Conditions
- Terms & Conditions
- Debit Card Security
- Identity Theft Information
- Corporate Account Takeover (CATO)
- Patriot Act
- Credit Reporting Agencies
Rev. Date 01/2017
What Does Greenfield Savings 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 personal information we collect and share depend on the product or service you have with us. This information can include:
|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 Greenfield Savings Bank (GSB) chooses to share, and whether you can limit this sharing.|
|Reasons We Can Share Your Personal Information||Does Greenfield Savings Bank Share?||Can You Limit This Sharing?|
| For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
| For our marketing purposes –
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
| For our affiliates’ 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 nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|Questions?||Call 413-774-3191 or go to www.greenfieldsavings.com|
Who We Are
|Who is providing this notice?||Greenfield Savings Bank|
|What We Do|
|How does Greenfield Savings Bank protect my 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 also maintain other contractual, physical, electronic, and procedural safeguards and we limit access to employees having a need to know.
|How does Greenfield Savings Bank collect my information?||We collect your personal information, for example, when you
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account — unless you tell us otherwise
Companies related by common ownership or control. They can be financial and non-financial companies.
Companies not related by common ownership or control. They can be financial and non-financial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other Important Information|
|For Massachusetts customers, we will not share information from deposits or share relationships with non-affiliates either for them to market to you or for joint marketing without your permission.|
If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.
Mark any/all you want to limit:
Greenfield Savings Bank Attn: Deposit Operations
Stay safe, friends.
From providing identity theft protection tips to alerting our community about the latest scams hitting the Valley, we’ll give you the tools and information you need to keep your money and your identity safe.
This website has been established by the Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the Bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the Bank's agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
Copyrights and Other Intellectual Property. Except where otherwise expressly noted, all contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of Greenfield Savings Bank, Greenfield, Massachusetts and/or its subsidiaries or affiliates. The posting of the contents of this Website neither constitutes a waiver of any of Greenfield Savings Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of this Website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement and the use of this website are governed by the laws of the State of Massachusetts.
Urgent Alert About Fraudulent Greenfield Savings Bank Cashier's Checks
GSB has learned that COUNTERFEIT Cashier’s Checks bearing our bank’s name and certain other information have been produced and circulated outside of our area to defraud unsuspecting victims. These checks are FAKE!
If you have received a Greenfield Savings Bank Cashier’s Check as payment for goods or services, please call us at 1-888-324-3191 to verify its authenticity before you accept the check as means of payment or attempt to cash or deposit the item.
For more information about Counterfeit/Fake Check scams from the Federal Trade Commission website, click here.
May 17, 2018
Phone Scam Targeting Local Residents
An article in the Greenfield Recorder warns of a phone scam targeting local residents. The caller ID is being "spoofed" so that the calls appear to come from the Franklin County Sheriff's office or the District Court number, and the caller claims to be serving a warrant. These calls are a scam.
If you receive one of these calls, please remember not to share any personal information including credit card numbers, bank account numbers, or Social Security numbers no matter what the caller may threaten.
If you're concerned about the legitimacy of a call, just hang up and call the Sheriff's Office or District Court directly using their regularly published telephone numbers. An employee will be happy to help verify whether such a warrant exists.
Keeping your Debit Card Secure
Automated Fraud Detection Calls and Text Messages
- A sudden change in locale (such as when a your GSB Debit Card is used unexpectedly out-of-state or overseas)
- A sudden string of costly purchases
- Other transaction patterns that are associated with fraudulent activity
- Our automated message will ask you to verify recent transaction activity on your card
- You’ll be able to respond via your touch tone keypad or return text message
- You’ll also be provided a toll-free number to call should you have additional questions
Additional tips to help protect your card include:
- NEVER give out your PIN. It is private and should not be disclosed to anyone.
- Unless absolutely required for a legitimate business purpose, avoid giving out your:
- Address and ZIP code
- Phone number
- Date of birth
- Social Security number
- Card or account number
- Card expiration date
- In stores and at ATMs, always cover your card and PIN, and watch for:
- Cell phone cameras, mirrors, or other tools used to view cards and PINs
- People watching your transactions
- Cashiers taking your card out of sight; take it to the register yourself
- Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
- Online, you should never respond to unsolicited emails that:
- Ask you to verify your card or account number; such emails are not sent by legitimate businesses
- Link to websites; such sites can look legitimate but may collect data or put spyware on your computer
- Securely destroy documents that may contain personal, ID, and account information such as purchase/ATM receipts or utility bills.
Identity Theft Information
What You Need to Know About Internet “Phishing”
These fraudulent emails may appear to come from a Financial Institution and may attempt to trick you into disclosing personal information, such as account numbers, passwords or PIN's, social security numbers, and other personally identifiable information. These emails, and the web links that sometimes accompany them, are often very realistic and convincing.
Important security safeguards and simple precautions to remember:
- Never give out your account number, ATM/Debit card number, PIN or other personally identifiable information if requested via an unsolicited email or phone call.
- Never reveal your PIN to anyone, including Greenfield Savings Bank employees.
- Be sure to log out after your online banking session, and close your browser.
- When discarding banking receipts and credit card statements, it is a good idea to shred these documents, as they contain confidential information.
Stop. Resist the urge to immediately respond to a suspicious e-mail—and to provide the information requested—despite urgent or exaggerated claims.
Look. Read the text of the e-mail several times and ask yourself why the information requested would really be needed.
Call. Telephone the organization identified, using a number that you know to be legitimate.
If You’ve Been “Phished”…
- Immediately contact your financial institution.
- Contact the three major credit bureaus and request that a fraud alert be placed on your credit report. The credit bureaus and phone numbers are:
- Equifax, 1-800-525-6285
- Experian, 1-888-397-3742
- TransUnion, 1-800-680-7289
- File a complaint with the Federal Trade Commission by clicking here or by calling 1-877-382-4357.
Additional information is available at many sites, including those listed below:
- NACHA: Corporate Account Takeover Resource Center
- Federal Trade Commission: Your National Resource for Identity Theft
- Office of the Comptroller of the Currency: Fraud Resources
- ABA Solution: Fraud & Security
- U.S. Postal Inspectors - Mail Fraud
Corporate Account Takeover (CATO)
What is Corporate Account Takeover?
Security Best Practices
When it comes to protecting sensitive financial information from hackers, there’s no substitute for good old-fashioned knowledge. As a business owner, you should have a level of understanding about how to
secure your computers that allows you to take proactive steps and avoid, or at least minimize most threats. Experts advise following best practices, including using a dedicated computer, keeping patches and anti-virus up to date, installing a host-based firewall, verifying all transactions before approving, and reviewing bank transactions daily. These best practices should be the minimum security baseline for every company’s online banking transactions.
Steps for Better Security:
- Use a dedicated computer for financial transactional activity. Do not use this computer for general web browsing and email.
- Apply operating system and application updates regularly (patches).
- Ensure that anti-virus/spyware software is installed, functional, and is updated with the most current version.
- Have host-based firewall software installed on computers.
- Use the latest version of internet browsers, such as Explorer, Firefox or Google Chrome and keep patch up to date.
- Activate a “pop-up” blocker on internet browsers to prevent intrusions.
- Turn off your computer when not in use.
- Do not batch approve transactions; be sure to review and approve each one individually.
- Review your credit report/banking transactions regularly.
- Contact your information technology provider to determine the best way to safeguard the security of your computers and networks.
USA Patriot Act
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