• For your convenience, please note Waterford Bank's Routing Number is: 041215854

Privacy Policy

Your privacy and security is a top priority for us. Check out our Privacy Policy and Cookie Disclosure to see what we do with your personal information.

Rev. February 2023


What does Waterford Bank, N.A. 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.

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
  • Transaction history
  • Account balances
  • Overdraft history
  • Payment history
  • Account transactions

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 Waterford Bank, N.A. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Waterford Bank, N.A. 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 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 nonaffiliates to market to you No We don’t share
Questions? Call toll-free 866-707-2871 or go to www.waterfordbankna.com
What We Do
How does Waterford Bank, N.A. 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 Waterford Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Make deposits or withdrawals from your account
  • Apply for a loan
  • Show your driver’s license
  • 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 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 non-financial companies.

  • Waterford Bank, N.A. has no affiliates.

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

  • Waterford Bank, N.A. 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.

  • Waterford Bank, N.A. doesn’t jointly market

Waterford Bank, N.A. Cookie Disclosure

At Waterford Bank, we’re committed to providing a seamless and secure online experience. We believe it is important you know how we treat the information about you we receive on the Internet. In general, you can visit our website without telling us who you are or revealing any personal information, like email addresses.

There are times in which you provide personal information in a web form submission, such as signing up for our newsletter or emailing us from the contact page. We use the personal information provided to respond to your inquiry, process an order, or allow you to access specific account information. To enhance your visit to our website, we use cookies through Google Analytics and social media integrations, such as Meta. These cookies help us understand how you interact with our site and content, allowing us to improve our services and offer a personalized experience.

By clicking “Accept” on our cookie consent banner or by continuing to use our site, you consent to the storing of cookies on your device. You can manage your cookie preferences and withdraw your consent at any time by accessing your browser’s cookie settings. Our cookies are stored on your device for varying durations, depending on their type, but you can delete them at any time via your browser. This information about your use of our site is shared with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services.

We are committed to protecting the security of your personal data. We implement security measures to ensure data protection and confidentiality in accordance with industry standards and regulatory requirements.

We respect your privacy choices and invite you to review our Privacy Policy above for more details on how we handle this data. We do not sell or provide your information to third parties, outside of everyday business purposes and marketing with Waterford.

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