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Privacy and Security

Quick List:

Privacy Policy

Traverse City State Bank recognizes and respects your privacy expectations and will take the necessary steps to ensure that information you share with us remains confidential. Our Privacy Notice describes how we guard your privacy. It also describes how we collect and use the information you provide us. Please read our Privacy Policy for details about our sharing practices and be assured that protecting the privacy and confidentiality of your information is not something you must request of Traverse City State Bank - it is our standard practice.

Traverse City State Bank Privacy Notice Privacy Notice

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Online Security Policy

Traverse City State Bank is serious about protecting your personal information. We use a variety of methods to make sure your details are safe.  We require a User ID, Password and Security Responses when you log in and utilize secure encryption for your online transactions..

Your Role: Protecting Your Account Information Online

You play an important role in protecting your accounts. Here are some of the steps you can take to protect yourself online:

  1. Change your online passwords often  Make it a point to do so regularly.
  2. Make your online passwords unique Even if your banking and other key accounts are safe, you may have other personal website accounts that have vulnerabilities. This underscores why it’s important to consider creating a unique username and/or password for each of your online accounts.
  3. Make your key online passwords long The evolving evidence confirms that brute force attack tools can decipher passwords in less time than in the past. The longer the password the better.
  4. Make your online passwords strong Don’t use common words or phrases, rather, use random characters in your passwords. Many websites will provide feedback on password strength when setting your password.
  5. Never use personal information  Personal information is often publicly available, which makes it easier for hackers to decipher your password.
  6. Keep passwords private  Never post passwords in plain view. If you have even the slightest suspicion that someone may have seen your password for a key account, it’s recommended that you change the password immediately.
  7. Consider a password/lock code for your smart phone  As we use smart phones for more and more of our internet access, consider a password to lock your phone. An unlocked phone in the hands of someone with bad intentions can lead to a variety of less than desirable outcomes.
  8. Never give out your personal or financial information in response to an unsolicited phone call, fax or e-mail, no matter how official it may seem.
  9. Do not respond to any e-mail that may warn of dire consequences unless you validate your information immediately. Contact the company to confirm the e-mail's validity using a telephone number or web address you know to be genuine.
  10. Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies immediately.

Remember: Traverse City State Bank will NEVER ask for your user ID, account number or password via e-mail or by phone.

Tips Specific to Online Banking Security:

  • Don’t reveal your User ID or password to anyone. Your User ID and password are designated to protect your banking information. This only works if you keep the information to yourself
  • Don’t walk away from your computer if you are in the middle of an online banking session. Exit the online banking system and close the Internet browser window when you are finished
  • Once you have finished your online banking session, sign off before visiting other websites
  • Install and maintain anti-virus protection on your computer

Traverse City State Bank Employs These Safeguards to Ensure Your Financial Privacy:

Information Encryption
We use encryption technology so your private banking information cannot be intercepted. Your banking information never travels the Internet without encryption protection. You know you are on a secure website, when you see the web address begins with https and when there is a closed padlock at the end of the web address or the upper or lower-right of your web browser.

Traverse City State Bank’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.

Individual ID and Password Information
In order to access Traverse City State Bank's online banking, you must enter a unique User ID and password of your choosing. Further, you will be asked to answer personalized questions when you log on from a computer that is not recognized and registered on the system.

Password Security System
To keep unauthorized individuals from accessing your account by guessing your password, we utilize a password security system. If your password is entered incorrectly three times, online accounts will be “locked out” until a Traverse City State Bank representative is contacted for assistance at 1-800-584-8859 during regular banking hours. You have the ability to monitor access to your account by the “last login” information provided at the top of your Accounts Overview each time you log in. This record will report the date of your last login.

Automatic Log Off
If you’re logged in to Traverse City State Bank Online Banking or Business Manager and do not perform any activity for 20 minutes, you will not be able to proceed until you provide credentials to sign on to the system.

Multifactor Authentication
Multifactor Authentication (MFA) protects bank customers from online predators by requiring multiple pieces of information to validate identity. This state-of-the-art security solution deters predators who commit fraud and identity theft by exploiting single factor authentication - which uses only one piece of information such as a password - to validate identity.

If you notice any suspicious or unusual activity related to any of your accounts, please contact our Online Banking Support immediately at (231) 995-5500. 

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Patriot Act

Identification and Verification of Account Holders


On October 26, 2001, President Bush signed into law the USA Patriot Act of 2001. The Act, a broad anti-terrorism measure, contains a major section on money laundering.

Section 326 of the Patriot Act set forth standards for financial institutions to follow in the identification and verification of customers at account opening. The regulations require that all financial institutions:

Verify the identity of any person seeking to open an account to the extent reasonable and practicable;

Maintain records of the information used to verify a person’s identity, including name, address, and other identifying information; and

Consult lists of known or suspected terrorists or terrorist organizations provided to the financial institution by any government agency to determine whether a person seeking to open an account appears on any such list.

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

Links for more information about the Patriot Act.

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Identity Protection

Identity theft is a real and present danger for every consumer. According to the American Bankers Association, it is estimated that every 60 seconds up to 17 people in the United States become victims of identity theft.

Criminal techniques range from the crude-but-clever to the high-tech-and-audacious. Regulatory mandates and legislative initiatives have placed several requirements on banks to help protect consumers from identity theft. But there is no ultimate solution.


Traverse City State Bank has implemented and continually updates security information controls within the bank which are designed to prevent unauthorized access to customer information. We believe the more our customers understand about potential threats, the more they will become proactive in doing the most they can do to protect their identity.

Tips for safeguarding your information from the American Bankers Association:

  • Don’t give your Social Security number or other personal credit information about yourself to anyone who calls you.
  • Tear up receipts, bank statements and unused credit card offers before throwing them away.
  • Keep an eye out for any missing mail.
  • Don’t mail bills from your own mailbox with the flag up.
  • Review your monthly accounts regularly for any unauthorized charges.
  • Order copies of your credit report once a year to ensure accuracy.
  • Choose to do business with companies you know are reputable, particularly online.
  • When conducting business online, make sure your browser’s padlock or key icon is active.
  • Don’t open email from unknown sources and use virus detection software.
  • Protect your PINs (don’t carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
  • Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately. The fraud unit numbers are:
    TransUnion: (800) 916-8800
    Experian: (800) 301-7195
    Equifax: (800) 525-6285

For more information on how to protect yourself from Identity theft, please visit the FTC Identify Theft web page:

Please visit this page frequently for up-to-date information about current threats. If you have any questions, or suspect you may be the victim of identity fraud, please contact Nancy Haller, Sr. VP Security, at 231-995-5510 immediately.

FDIC Warns About Fraudulent Request for Information

PR-95-2004 (9-10-2004) Tibby Ford (202-898-8693)

The Federal Deposit Insurance Corporation (FDIC) has received complaints from consumers who have received an e-mail that appears to have been sent by the FDIC. The fraudulent e-mail requests that recipients update account information due to inactive accounts, frauds and spoof reports, and that failure to do so will result in closure of the recipient’s bank account.

The link contained within the e-mail serves as a gateway to the fraudulent website. The fraudulent website, which is designed to look like a page from the FDIC’s authentic website, asks respondents to provide sensitive information, such as bank or credit card account numbers, as well as personal identification and Social Security numbers.

This fraudulent e-mail, which may contain a virus, was not sent by the FDIC. Financial institutions and consumers are warned NOT to access the link or submit personal information. Further, the FDIC strongly recommends that individual safeguard personal information and refrain from responding to any unsolicited request for personal information.

The FDIC can be contacted toll free at 877-275-3342, Monday through Friday, 8 a.m. to 8 p.m., ET. The FDIC’s Web site is

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In Our Community

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Contact Us

333 W. Grandview Pkwy
Traverse City, MI  49684
(231) 995-5500

Routing Number:  072413997

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