Digital privacy policy

Think Mutual Bank (referred to as “Think Bank,” “we,” “us” or “our”) is committed to protecting the privacy concerns of users of our website, and our mobile app (collectively, our “Sites”). We understand that your personal and financial information is important to you. This policy applies to Think Bank regarding the collection, use and disclosure of information collected from visitors during use of our Sites either owned or via a third-party service provider.

Think Bank also uses and shares information about its customers in accordance with its Privacy Policy and Website Privacy Policy, both located on our website at

Information you provide to us
We may collect personally identifiable information, such as your name, email address, telephone number, mailing address, business name, login information, location, financial information, account information, messages you submit using the Sites forms or chat features, pictures you submit, documents you submit, and other information that may personally identify you.

If you enable your mobile app to use facial scan or fingerprint technology (“Biometric Information”), we will use that Biometric Information to validate your identity; however, we do not collect or store your Biometric Information.

Think Bank uses information that you have provided to us, as permitted under applicable law, to:

  • Provide and manage the Sites, related services and products
  • Fulfill requests you have made for information, products or services
  • Follow through with marketing efforts, including contests, promotions, or the collection of surveys
  • Resolve problems and disputes with the Sites
  • Improve our Sites, products and services
  • Maintain the security and integrity of the Sites
  • Fulfill any other purpose or obligation for which you provide or offer your consent
  • Protect against fraud
  • Monitor and enforce compliance with this Policy
Third-party cookies and other tracking technologies
Think Bank, and third parties, may use technologies that collect information automatically including cookies and web beacons. This includes Google Analytics which Think Bank uses to help us understand how you interact with the Sites.

Browser cookies are electronic files that your internet browser places on your hard drive or other device to retain information relating to visits to and use of our Sites. You can refuse to accept browser cookies by activating the appropriate setting in your browser; however, if you choose to block browser cookies you may limit the functionality we can provide when you visit our Sites.

The Sites may contain small electronic files known as web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) that allow us to track website statistics, such as number of page visits or length of time interacting with Sites content, and to verify system and server integrity. To improve your experience with the Sites, we, and third parties, may use web beacons to gather information about your use of the Sites.

Information we collect automatically or receive from third parties
Think Bank collects information on dates and times of Sites visits and the number of times each page is visited. This information allows us to track Sites use, measure Sites traffic and improve navigation to better serve you. The information gathered is used for internal purposes.

As you use the Sites, we may use automated means to collect certain information about your equipment, browsing actions, and use patterns, including but not limited to:

  • details of your visits to the Sites, such as traffic data, location data, logs, and other communication data and the resources you access and use on the Sites; and
  • information about your computer and internet connection in addition to the date and time of activity, IP address, device ID, operating system, and browser type.
Disclosure of account information to third parties
It is our general policy to not share your personal information with any third-party, except under limited circumstances as allowed or required by law. Some of those limited circumstances include sharing:

  • With third-party service providers who work for us to provide or maintain product and services;
  • Where it is necessary for completing transactions;
  • Where it is necessary for activating additional services;
  • In order to verify the existence and condition of your account to a third-party, such as a credit bureau or biller;
  • With a consumer reporting agency for research purposes only;
  • To comply with a governmental agency or court order; and,
  • With your consent.
We do not sell your information to third parties.

Data security
We are committed to protecting your personal information from unauthorized access or use. We use commercially reasonable measures to project information within our organization. No storage system or data transmission is guaranteed to be fully secure. Any transmission of personal information to the Sites is provided at your own risk. We are not responsible for circumvention of any privacy and security measures. You, too, are responsible for data security. Remember to keep your login credentials confidential. You are responsible for the security of your devices and internet connections. Contact us immediately (see the “Contact Us” section below) if you have reason to believe your interaction with us has been compromised.

Linked websites
If you link to another website from any of our Sites, you are leaving our Sites and we cannot be held responsible for any information that may be gathered at a linked site. Think Bank disclaims all liability with regard to your access to such linked sites.

Preventing identity theft
At Think Bank, your account security and privacy are a high priority. We consider this another important part of better banking and remain committed to high standards of account security to protect you. You also play a crucial role in keeping your personal information safe. Here are some best practices:

  • Never share your username, password or PIN with anyone. By providing your username, password or other credentials to any person or third-party, you authorize that person or third-party to initiate transfers to or from your account.
  • Be suspicious of texts or emails urgently asking for your personal information.
  • Monitor your account on a regular basis and act quickly by reporting suspicious activity to us immediately.
  • Obtain a copy of your credit report periodically and review it carefully. You have a right to one free credit report each year from each credit reporting agency. To request a copy of your credit report, go to or call 1-877-322-8228.
  • Don’t post personal information, such as your birthdate, on social media or elsewhere online.
  • Protect your electronic devices. Take steps to protect the personal information stored on your electronic devices such as a laptop, tablet or cell phone by utilizing a firewall or secure browser and maintaining current virus protection.
Children’s Online Privacy Protection Act (COPPA)
We do not use the Sites to knowingly solicit personal information from, or market to, children under the age of thirteen (13) without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at

Changes to this digital privacy policy
Think Bank reserves the right to amend this policy at any time to accommodate new technologies, industry practices, regulatory requirements or for other purposes. If changes are made to this policy, we will update the revised policy on our Sites with a new “last updated” date. Any changes made to the policy will become effective when posted unless indicated otherwise. Your continued use of the Sites will indicate your consent to be bound by the updated policy.

Contact us
Should you have inquiries regarding your account or policies, we recommend contacting your nearest Think Bank branch in person or contact our Customer Support at 1-800-288-3425.