Patriot Act Policy


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


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ST. MARTIN BANK AND TRUST COMPANY has always been committed to maintaining customer confidentiality. We appreciate this opportunity to explain our privacy practices to you.

As part of our banking business, we obtain certain "nonpublic personal financial information" about you, which for ease of reading we will refer to as "information" in this notice. This information is obtained from various sources and includes information we receive from you on applications or other forms, information about your transactions with us, our affiliates or others, and information we receive from a consumer reporting agency.

  • We restrict access to the information about you to authorized individuals who need to know this information to provide service and products to you.
  • We maintain physical, electronic, and procedural safeguards that protect your information.
  • We do not disclose this information about you or any former customers to anyone, except as permitted by law. You do not need to call, or do anything as a result of this notice. It is meant to inform you of how we safeguard your nonpublic personal financial information.


The privacy of communications between you (your browser) and our servers is ensured via encryption . Encryption scrambles messages exchanged between your browser and our online banking server.

How Encryption Works

  • When visiting our online banking sign-on page, your browser establishes a secure session with our server.
  • The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys.
  • Keys are random numbers chosen for that session and are only known between your browser and our server. Once keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server.
  • Both sides require the keys because they need to descramble (decrypt) messages received. The SSL protocol assures privacy, but also ensures no other website can "impersonate" your financial institution's website, nor alter information sent.
  • To learn whether your browser is in secure mode, look for the secured lock symbol at the bottom of your browser window.

Encryption Level

The numbers used as encryption keys are similar to combination locks. The strength of encryption is based on the number of possible combinations a lock can have. The more possible combinations, the less likely someone could guess the combination to decrypt the message.

For your protection, our servers require the browser to connect at 128-bit encryption (versus the less-secure 40-bit encryption). Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browser to the stronger encryption level.

To determine if your browser supports 128-bit encryption:

  • Click "Help" in the toolbar of your Internet browser
  • Click on "About [browser name]"
  • A pop-up box or window will appear
  • For Internet Explorer: next to "Cipher strength" you should see "128-bit"
  • For Netscape: you should see "This version supports high-grade (128-bit) security with RSA Public Key Cryptography"
  • If your browser does not support 128-bit encryption, you must upgrade to continue to access the websites secure pages.
  • Firefox
  • Safari