Privacy Disclosure

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 Payment History
  • 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 Oakwood Bank chooses to share; and whether you can limit this sharing.
 Reasons we can share your personal information Does Pigeon Falls StateBank share? Can you limitthis 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
No We don’t share
 For joint marketing with other financial companies No We don’t share
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 our affiliates to market you No We don’t share
For our nonaffiliates to market you No We don’t share
Questions?  Call 715-538-1500 or go to
Who we are
Who is providing this notice? Oakwood Bank
36328 Main Street
PO Box 37
Whitehall, WI 54773
How does Oakwood Bank 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.
These safeguards comply with federal standards to guard your nonpublic personal information.
How does Oakwood Bank collect my personal information? We collect your personal information, for example, when you

  • Open an account                or Deposit money
  • Apply for a Loan                 or Use Your Credit or Debit Card
  • Information collected from credit bureaus 

We also collect your personal information from others, such as cedit 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.

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

  • Oakwood Bank does not share with our affiliates.
 Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Oakwood Bank does not share with 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.

  • Oakwood Bank does doesn’t jointly market.