Privacy Policy

Last Revised: December, 2016

FactsWhat Does Northern Bank & Trust Company 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,
• and credit history and credit scores.

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 Northern Bank & Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Northern Bank & Trust Company 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 bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes - information about your transactions and experiencesNoWe don’t share
For our affiliates’ everyday business purposes - information about your creditworthinessNoWe don’t share
For non-affiliates to market to youNoWe don’t share
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Who is providing this notice?

Northern Bank & Trust Company


How does Northern Bank & Trust Company 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 maintain physical, electronic, and procedural safeguards to guard personal information. We restrict access to those who have a business reason. We educate our employees on the importance of confidentiality.

How does Northern Bank & Trust Company collect my personal information?

We collect your personal information, for example, when you:
• open an account or apply for a loan
• pay us by check or provide account information
• use your credit or 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 laws and individual companies may give you additional rights to limit sharing.




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

Northern Bank & Trust Company does not share with our affiliates.



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

Northern Bank & Trust Company does not share with nonaffiliates so they can market to you.

Joint Marketing


A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partner include investment companies, insurance service companies, and credit card companies.


The Bank has standards and practices to ensure compliance with the provisions of M.G.L. chapter 93H relative to the safeguarding of the personal information of residents of the Commonwealth of Massachusetts.