Privacy Policy

WHAT DOES UNITED CUMBERLAND BANK 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
  • Payment history
  • Transaction or loss history
  • Account transactions
  • 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 United Cumberland Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes United Cumberland Bank 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 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 nonaffiliates to market to you No We don't share
Questions? Contact us by email: info@unitedcumberland.com  
Or by phone: 606.376.5031
Who we are
Who is providing this notice? United Cumberland Bank (UCB)
What we do
How does United Cumberland 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does United Cumberland Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Use your debit or credit 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.
Definitions 
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • United Cumberland Bank has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • United Cumberland 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.
  • United Cumberland Bank does not jointly market.