We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.

Website Content and Links to Other Websites
Bank of Illinois maintains this site to provide you with information about its products and services. We also provide links to various merchants, and other financial service providers that may be of interest to you. The links to other merchants and financial service providers in our site are provided for your convenience and may assist you in locating other useful information on the Internet. These external, third party sites are not under the control of Bank of Illinois.

• Bank of Illinois does not endorse, approve, certify, or control external sites. Nor does Bank of Illinois guarantee the accuracy, completeness, or timeliness of the information contained on them. The products and services offered by these external third parties are not products of Bank of Illinois and are not insured by any governmental agency such as the FDIC.
   

• Securities (including mutual funds and annuities) may be offered through this site or external third parties:

1. They are not financial institution deposits.

2. They are not FDIC  insured.

3. They are not obligations of or guaranteed by Bank of Illinois.
    

• Securities involve investment risks, including the possible loss of some or the entire principal amount invested.

• Insurance and annuity products may be offered through this site or external third parties:

1. Are not deposits, obligations of, or guaranteed by Bank of Illinois or any of its affiliates.
    

2. Insurance products and annuities are not insured by the FDIC.
    

3. There may be investment risks associated with some insurance products, including the possible loss of principal.
    

4. The purchase of insurance products is not a condition to any loan, product or service offered by Bank of Illinois, its affiliates, or nonaffiliated third party.

Privacy
Any communication or material you transmit to us via the site or electronic mail will be considered confidential and may be used only by Bank of Illinois for the purposes described in our privacy statement. All information submitted to the Bank of Illinois site shall be considered and remain the property of the Bank of Illinois, this information will only be used internally or as allowed by law.

Merchants and other third parties on the Portal may collect personal information when you visit their websites or when you purchase their products. You should review the privacy policies of these third parties prior to use of these websites and purchase of their products and services.

Use of Information and Materials
Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice.

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information. You may contact the Bank of Illinois to verify the accuracy of information.

Not all products and services are available in all geographic areas. Bank of Illinois reserves the right to determine your eligibility for any product or service.

Limitation of Liability
Because of the possibility of human, mechanical, and computer related errors as well as other factors, Bank of Illinois is not responsible for any errors in or omissions from the information contained in or accessed through this website. All such information is provided "AS IS" to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose.

Bank of Illinois is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computers and diskettes using a reliable virus detection product to detect and remove any viruses. Bank of Illinois will not be liable for any delay, difficulty in use, inaccuracy of information, malicious code, or other defect in this site, or for the incompatibility between this website and files in your browser or other site accessing program. Nor will the Bank of Illinois be liable for any other problems you experience due to causes beyond our control.

Hyperlinks to other Internet resources are at your own risk. Bank of Illinois may only monitor hyperlinks to merchants and service providers within our portal for competitive advertisements and offensive content. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, monitored, or endorsed by Bank of Illinois.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and the Bank of Illinois. Bank of Illinois will under no circumstances be liable to you and/or any third party for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if financial institution has been advised of the possibility of such damages.

Governing Law
This agreement shall be governed by and construed in accordance with federal statutes and the laws of the Illinois in which Bank of Illinois has its headquarters.

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Use of this Web Site
Although Bank of Illinois (BOI), has tried to provide accurate and timely information, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. BOI may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you need specific details about any information contained in our site, you should contact BOI as indicated on the Feedback page.

BOI controls and maintains this site from the United States of America and makes no representation that materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

Links to this web site are not permitted without the prior consent of BOI.

Products and Services
The products and services referred to on this web site are offered by or through BOI or its parent, subsidiary or affiliate entities. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services and they may not be available in all geographic areas.

Other Sites
This site may may contain links to other sites on the Internet. These links are provided for your convenience. Links to another site do not constitute BOI’s approval or endorsement of that site or its products or advertisements.

Exclusion of Warranties
BOI makes no warranties or representations as to the accuracy or completeness of the information contained on this web site. This information and the products and services are provided "as is" "as available" without any warranty of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability
Neither BOI nor any of its parent, subsidiary or affiliate entities, agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if we are advised of the possibility) arising in any way from the information contained in this web site or any information transmitted via this web site. BOI is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this web site.

By transmitting information through this web site, you accept the risk that the information you transmit to us and any information that we transmit to you, may be intercepted by third parties.

E-mail
Messages that you send to us by e-mail may not be secure. We recommend that you do not send any confidential information to us by e-mail. If you choose to send any confidential information to us via e-mail, you accept the risk that this information may be intercepted by a third party.

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The basis of each customer relationship at the Bank of Illinois is built on trust. You have chosen to do business with the Bank of Illinois, and we guard that relationship with great care, beginning with the information you have chosen to share with us.

the Bank of Illinois, and its affiliates and employees, are dedicated to protecting the privacy of your nonpublic personal information. We maintain information about you in order to provide you with the most effective and convenient access to our broad range of financial products and services. We want you to understand what information we collect, and how we use and protect it. This notice serves as a standard for all the Bank of Illinois employees for collection, use, retention and security of nonpublic personal consumer information.

What Information We Collect
"Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service. Such information includes for example, account balance, income, assets, insurance premiums, payment history and overdraft history.

We may collect nonpublic personal information about you from the following sources:

• Information that you provide to us, such as on applications or other forms 

• Information about your transactions with us, our affiliates or others, or

• Information from others, such as credit bureaus, real estate appraisers, and employers 

Our Security Procedures
To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information to provide you products or services. We maintain physical, electronic and procedural safeguards to guard information.

 

What Information We Disclose
The Bank of Illinois does not disclose nonpublic personal information about you except as permitted by federal law, specifically Title V of the Gramm-Leach-Bliley Act of 1999. The confidentiality of your nonpublic personal information will continue to be maintained consistent with this privacy notice even if you decide to close your account(s), your account becomes inactive, or when you otherwise cease to do business with us.

 

The Bank of Illinois works with a variety of third parties to bring you financial services. We disclose information about you as necessary to fulfill these third party service agreements. For example, we may disclose information about you to third parties that assist us in servicing or maintaining your loan or deposit account, or other business relationship, such as printing checks or billing you for loan payments. We may also disclose information about you to governmental entities, such as sending annual income statements to the IRS, and to other third parties such as credit bureaus, or in response to subpoenas.  Because we already limit the sharing of your nonpublic personal information as outlined above, no action is necessary on your part to limit such sharing.

 

Fair Credit Reporting Act Disclosure
We share information about you with our affiliates. Under the Fair Credit Reporting Act you may direct us not to share certain credit information with our affiliates. Examples of the kind of credit information that you may direct us not to share include the nonpublic personal information you provide in your application or that we obtain about you from nonaffiliated third parties such as credit bureaus. If you don’t want such information shared you may contact us at the Bank of Illinois at (309) 452-1186 Please be prepared to provide your name, address, social security number and account number(s). Your request not to share credit information does not include information we are permitted to share by law, such as information related solely to our experiences or transactions with you. Your account balance and payment history are examples of transaction and experience information that we are always permitted to share with our affiliates.

 

Bank of Illinois’s Pledge to You
We believe that your privacy should never be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both by adhering to the provisions of this privacy notice.

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Customer Identification Program Notice IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, all financial institutions are required by law to obtain, verify and record information that identifies each individual or entity that opens an account. What this means for you: When you open an account, we will ask you for your name, address, taxpayer or other government identification number and other information, such as date of birth for individuals, which will allow us to identify you. We may also ask to see identification documents such as a driver’s license, passport or documents showing the existence of the entity. top