Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Printable Version


Federal Law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy here, or we will mail you a free copy upon request if you call us at 888-324-3191.

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:
  • Social Security number and Account Balances
  • Apply for a loan and your credit scores, credit history, and payment history
  • Income, assets, and checking account information
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
Yes No
For our marketing purposes
to offer our products and services to you
Yes No
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
  • Call 888-324-3191 - our menu will prompt you through your choice(s) 
  • Visit us online:
  • Mail the form below
Please note:
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

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
  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your debit card
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. Please see "Other Important information" below. 
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.
  • Greenfield Savings Bank does not share with affiliates.
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Greenfield Savings Bank may share with nonaffiliates to market to you unless you opt out. Nonaffiliates we share with can include companies that we contract with to offer rewards programs related to our accounts.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 
  • Our joint marketing partner includes the broker dealer with whom we offer investment products. 
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.
Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

  • Apply my choice(s) only to me.

Mark any/all you want to limit:

  • Do not share information about my credit worthiness to your affiliates for their everyday business purposes.
  • Do not allow your affiliates to use my personal information to market to me.
  • Do not share my personal information with nonaffiliates to market their products to me.


City, State, Zip

Account #(s)

Mail To:

Greenfield Savings Bank Attn: Deposit Operations
PO Box 1537
Greenfield, MA 01302-1537


We believe you deserve to work with a bank you can trust; that’s why protecting your personal and financial information is a priority for us. We’ve got your back.

No one needs more junk mail or yet another unwanted message in the email inbox. While other businesses might, GSB won’t sell your personal information for our financial gain. You can check our Privacy Policy for more information.

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 may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Massachusetts.


July 11, 2018

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.  

Read the full article.


Keeping your Debit Card Secure

Mobile phone text alert from Greenfield Savings Bank's automated debit card fraud protection service.
Protecting your accounts from fraud is our highest priority. That’s why we have just added additional security measures aimed at stopping fraudulent activity from occurring on your Greenfield Savings Bank Debit Card.

Traveling Notices

Planning to travel out of the area, such as out-of-state, out-of-the-county or just to Cape Cod? Contact our Customer Service Center or any branch representative and tell them your travel plans including the dates and places. We will put a Travel Notice on your GSB Debit Card to help prevent a Security Hold from occurring.

Automated Fraud Detection Calls and Text Messages

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include things like:
  • 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
If we suspect fraudulent activity, you will receive an automated call or text message to validate the legitimacy of your transaction(s). 
  • 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
Your participation in responding to our call or text is critical to help identify and prevent potential fraud and to avoid restrictions we may place on the use of your card.
For your security, GSB Automated Fraud Detection calls, text messages, or GSB Customer Service agents will NEVER ask you to provide your full Social Security Number, your full card number, or your personal PIN number. If you do receive a call asking for any of this information, hang up immediately and notify Greenfield Savings Bank at (413) 774-3191 or (888) 324-3191.
To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. 

Protect Yourself

Please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any suspicious or fraudulent transactions.

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

Greenfield Savings Bank will never ask you to provide personal information in the form of an email. We urge you to report any such attempt to our Customer Service Center at 413-774-3191. If you think you may have given information of this kind to someone claiming to be from Greenfield Savings Bank, please contact us immediately. If you are uncertain you are communicating with the Bank, do not respond, call us directly and we will assist you.

What You Need to Know About Internet “Phishing”

Today's environment has us often relying on email as a fast and effective means of communication. However, with such technology criminals are increasingly utilizing email in order to fraudulently obtain confidential information. At Greenfield Savings Bank, we take pride in our commitment to our customers, and we are therefore alerting you to be aware of these potentially dangerous schemes.

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, Look and Call"
The Department of Justice advises e-mail users to "stop, look and call" if they receive a suspicious email.

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”…

If you believe that you have provided sensitive financial information about yourself through a phishing scam, you should:

  • 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:

Corporate Account Takeover (CATO)

What is Corporate Account Takeover?

Corporate Identity Theft.
Simply put, corporate account takeover is the business equivalent of personal identity theft. Hackers, backed by professional criminal organizations, are targeting small and medium businesses to obtain access to their web banking credentials or remove control of their computers. These backers will then drain the deposit and credit lines of the compromised bank accounts, funneling the funds through mules that quickly redirect the monies overseas into backers’ accounts. A computer can be compromised very easily by visiting an infected website or by simply opening an email. There has been a steady increase in account takeovers since 2009 resulting in billions of dollars of damage.

Security Best Practices

A Solid Foundation to Build Upon.
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.
If you believe your Greenfield Savings Bank account has been compromised, contact us immediately at 413-774-3191 or 888-324-3191.

USA Patriot Act

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.
USA PATRIOT Act HR 3162 Section 326

Credit Reporting Agencies

One of the most influential factors in obtaining a loan is your credit score. Building a good credit score and protecting it can help you qualify for the best rates whenever you apply for any type of credit.
Consumers can receive a free copy of your credit reports annually by contacting each of the credit reporting agencies listed below.
If you use GSB's Online Banking or Mobile Banking, you may also obtain your credit score and credit report for FREE, any time, through GSB CreditCenter.