Privacy Statement 1/1/2015

Welcome to the St. Johns Bank & Trust Company web site. This section explains our policy regarding any personal information you might supply to us. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you - in branches, at ATMs, and on the phone. You can visit this site and find out about our products and services, read our latest corporate news, check on career opportunities, or use other value-added services without giving us any information about yourself. However, if you do provide personal information, be assured it is protected under our Privacy Protection Policy as detailed below.


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
payment history and credit history
account transactions and transaction 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 St. Johns Bank & Trust Company chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does St. Johns Bank & Trust Company share? Can you limit this sharing?
For our everyday business purposes-
such as to process your transactions, maintain your accounts(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 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 to you No We don't share
For non-affiliates to market to you No We don't share


Questions? Call (314) 428-1000 or go to


Who we are
Who is providing this notice? St. Johns Bank & Trust Company 


What we do
How does St. Johns 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.  
How does St. Johns Bank & Trust Company collect my personal
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 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 non-affiliates 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.
St. Johns Bank & Trust Company does not share with our affiliates. 
Non-affiliates  Companies not related by common ownership or control. They can be financial and nonfinancial companies.
St. Johns Bank & Trust Company 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.
St. Johns Bank & Trust Company doesn't jointly market. 


Other Important Information
Web Site Privacy Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to complete your request. It is not disseminated or sold to other organizations.

To provide better service and a more effective web site, some areas of our web site may use "cookies." A "cookie" is a small file temporarily stored in your computer's memory by our web server to allow the web server to log the pages you use within our site and to know if you have visited our site before. These cookies do not collect personally identifiable information. Cookies are commonly used on web sites and do not harm your system.