Security & Privacy

Schertz Bank & Trust uses security features on our Internet Branch to help prevent unauthorized access to your personal financial information. Our site uses Secure Socket Layer (SSL) protocol for providing data security during transmission. Various levels of security focus on firewalls, filtering routers, and a trusted operating system. Schertz Bank & Trust is committed to making sure that your Online Banking is safe and secure.

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Customer Responsibilities

Customers of the Online Banking System have a responsibility for the security of their information. Schertz Bank & Trust recommends that customers follow the guidelines listed below.

Utilize the latest version of your chosen browser.
Each Online Banking customer uses a valid User ID and Security Password or Code to gain access to the services. It is important to protect your User ID and Security Code from others—do not leave your User ID and Security Code where it may be available to unauthorized users. It is recommended to use a full 8-digit or longer complex Security Code and change it often.
Be sure others are not watching you enter information on the keyboard when using the system.
Never leave your computer unattended while logged on to the home banking system. Others may approach your computer and gain access to your financial information if left unattended.
Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
Close your browser when you are finished so that others cannot view any financial information displayed on your computer.
Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the home banking system.

If you have any questions, comments, or suggestions concerning our Security or our website, you may contact us by telephone at (210) 945-7400. Schertz Bank & Trust reserves the right to change our Privacy Policy at our discretion without prior notification.

Privacy Policy

Privacy Disclosures

Protecting Your Privacy

At Schertz Bank & Trust, we understand how important privacy is to you and protecting your privacy is of the utmost importance to us. You, our valued customer, have chosen to do business with us, and we understand our obligation to keep the information you provide to us secure and confidential. Protecting your personal banking information is one of our most significant responsibilities and we value the confidence you have placed in our financial institution. The standards and guidelines described below are used to enforce our commitment to you and are based on federal laws and state statutes.

Collecting and Keeping Your Information Secure

In the process of conducting business, Schertz Bank & Trust employees collect and access various types of information, such as credit reports, public records, and information provided by the customer. We use this information to maintain your accounts and to assist you with your financial needs. The information we obtain from you will remain strictly confidential. We educate our employees to understand the necessity for confidentiality and to comply with our information principles.

Maintaining Accurate Customer Information

Our objective is to ensure your records are current, complete, and accurate. If you discover that any of your financial information is incorrect or incomplete, please call or write to us at the telephone number or address listed on your account statement. Customers may also visit one of our banking facilities or send us an e-mail. We will correct any erroneous information in a timely manner. The above listed methods of contacting the bank may also be utilized if submitting questions or complaints about your privacy.

Consumer Complaints

Schertz Bank & Trust is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Schertz Bank & Trust should contact the Texas Department of Banking through one of the means indicated below:

Schertz Bank & Trust cae bajo las leyes del estado de Texas y por esta ley está conforme a la supervisión legal del Departamento Bancario de Texas. Cualquier consumidor que desee reportar una queja contra Schertz Bank & Trust debe comunicarse con el Departamento Bancario de Texas por medio de de lo siguiente:

In Person or U.S. Mail (En Persona o Por Correo):
- 2601 North Lamar Boulevard, Suite 300
  Austin, Texas 78705-4294
Telephone or Facsimile (Por Teléfono o Por Fax):
- Telephone: 877-276-5554 (línea gratuita)
- Facsimile: 512-475-1313
Fax Number: 512-475-1313
Electronic Communications (Correo Electrónico ) (E-mail):
- Electronic Mail: mailto:consumer.complaints@dob.texas.gov
- Website: https://www.dob.texas.gov/

Disclosure of Customer Account Information

At Schertz Bank & Trust, we share information within our facility in respect to your banking relationship for official business purposes only. The bank will not intentionally reveal any account information or other personal information to a third party not affiliated with Schertz Bank & Trust, unless:

You authorize the disclosure of information.
The bank is required or allowed to by law.
The information is needed in order to complete a transaction initiated by you.
The information is provided to a reputable credit bureau or information-reporting organization.

Schertz Bank & Trust does not share any customer information with third party marketers offering their products and services. While we may continue to offer products and services from third party vendors, Schertz Bank & Trust and the companies that work with us will safeguard the confidential customer information provided to us.

Mobile Banking Privacy Policy

Privacy Disclosures

Print out Privacy Policy

Updated 6/27/2024

FACTS	WHAT DOES SCHERTZ BANK & TRUST 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 income
Account balances and transaction history
Payment history and credit history

When you are no longer our customer, we continue to share your information as described in this notice.

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 Schertz Bank & Trust chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Schertz Bank & Trust 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 to 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	We don't share	We don't share
For our affiliates’ everyday business purposes- information about your transactions and experiences	We don't share	We don't share
For our affiliates’ everyday business purposes- information about your creditworthiness	We don't share	We don't share
For our affiliates to market to you	We don't share	We don't share
For non-affiliates to market to you	We don't share	We don't share

Questions?	Call toll-free 1-800-945-9544 or go to www.schertzbank.com

What we do

How does Schertz Bank & Trust protect my personal 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 limit access to information to those employees for whom access is appropriate.

How does Schertz Bank & Trust collect my personal information?

We collect your personal information, for example, when you

Open an account or apply for a loan
Make deposits or withdrawals from your account
Make a wire transfer
Use your debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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 nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Schertz Bank & Trust has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Schertz Bank & Trust does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Schertz Bank & Trust does not jointly market.

CATO

CATO or Corporate Account Takeover is a type of business identity theft where criminals gain control of a business bank account by stealing employee passwords and other credentials.

Corporate Account Takeover (CATO) is a form of corporate identity theft where a business' online banking credentials are stolen by malware. Criminal entities can then initiate fraudulent banking activity, including wire transfers and ACH payments. Corporate Account Takeover Fraud involves compromised identity credentials and is NOT a compromise to the ACH Network, wire transfer system, or bank systems. CATO is specific to compromises on individual / business computers.

Losses from Corporate Account Takeover are not covered under Regulation E and, by agreement, are generally the responsibility of the customer; therefore, corporations and businesses need to take proper precautions to protect their computers and financial information to avoid financial and reputation losses.

Businesses need to evaluate their systems. Systems should have secure internet browsers. There are several products and the type of protection / security software is the individual choice of each business or corporation.

Some of the signs of a compromised computer are:

"System Unavailable" messages while banking online
Changes in the way your online banking application appears
Unexpected requests for a one-time password/token in a session
Unusual pop-up messages
Computer locks up
Dramatic loss of PC speed
Unexpected rebooting or restarting of PC
New or unexpected toolbars or icons
Inability to shut down or restart PC·Warnings from anti-virus or anti-malware software

Suggestions for Computer Security

Establish a dedicated computer for online banking
Prohibit web browsing, emailing and social networking
Use anti-virus and anti-spyware technology
Use secure browser technology
Do not leave computers unattended or unlocked
Use spam filters and pop-up blockers
Install routers and firewalls to prevent unauthorized access
Do not use public Wi-Fi hotspots such as in cafes and airports

If you should become a victim of Corporate Account Takeover, you should immediately contact law enforcement and all financial institutions that you conduct business with. Document all information available for any investigation.

if you suspect that your business account has been compromised, contact law enforcement immediately and file a report. Also, contact ALL financial institutions with which you conduct business.