Website Cookie Policy
This Cookie Policy explains how Municipal Bank (“we”, “us”, and “our”) uses cookies and similar tracking technologies when you visit our public website and interact with our online services. We are committed to protecting your personal information and maintaining full transparency regarding the automated systems deployed on our digital infrastructure.
1. What Are Cookies?
Cookies are small text files placed on your computer or mobile device when you browse online interfaces. They act as a memory ledger for web pages, allowing our system to recognize your device across page views, enforce structural security, track anonymous performance indicators, and preserve layout properties.
- Session Cookies: Temporary files that expire immediately when you close your web browser.
- Persistent Cookies: Data fragments that remain on your local drive for a fixed duration or until manually deleted.
- First-Party Cookies: Tokens set directly by the primary website domain you are actively viewing.
- Third-Party Cookies: Scripts deployed by external utility networks (such as analytics providers or core vendor partners) integrated into our backend modules.
2. Categories of Cookies Deployed on Our Systems
We classify the automated scripts active on our platform into three structural categories:
| Cookie Type | Operational Purpose & Data Fields | Classification |
|---|---|---|
| Strictly Necessary | Required for structural baseline operations, anti-cross-site scripting (CSRF) defenses, Multi-Factor Authentication (MFA) session verification, and secure user states. Blocking these files will disable essential site functions. | First-Party / Session & Persistent |
| Performance & Analytics | Logs anonymous traffic information, site navigation paths, rendering speeds, and regional usage densities. These analytics tools do not gather or link back to personally identifiable information (PII). | First-Party & Third-Party / Persistent |
| Functional Preferences | Remembers layout choices made on previous visits, such as local branch locators, font sizing, and accessibility interface settings. | First-Party / Persistent |
3. Managing Cookie Settings on Your Device
You have the right to accept, limit, or block tracking scripts. Because our platform does not rely on third-party cross-site advertising networks, you can easily control tracking flags using your standard browser preferences:
- Google Chrome: Navigate to Settings > Privacy and Security > Third-party cookies to establish your preferences.
- Apple Safari: Open Settings > Safari > Privacy & Security and enable “Block All Cookies” or “Prevent Cross-Site Tracking”.
- Microsoft Edge: Go to Settings > Cookies and site permissions > Manage and delete cookies and site data.
- Mozilla Firefox: Choose Settings > Privacy & Security > Enhanced Tracking Protection to block persistent tracking flags.
Note: Enforcing universal cookie blocks via browser settings will disable components of our online contact features and block access to secure portal handshakes.
4. Local Storage & Web Beacons
We may also use standard browser local storage technologies (like HTML5) to optimize loading speeds and preserve theme states without drawing execution overhead from our server matrices. Additionally, pixel markers may be included in administrative updates to ensure verification notices are successfully delivered to your inbox.
5. Policy Updates and Review
This policy is actively updated to stay aligned with evolving consumer data protection rules and financial auditing regulations. Any structural adjustments will take effect immediately upon posting to this directory.
6. Questions Regarding Tracking Technologies
For more detailed technical documentation regarding our automated tracking boundaries, you can contact our technical operations team:
Municipal Bank
PO Box 146
Bourbonnais, IL 60914
Email: mobilebanking@municipalbank.com
Phone: 815-935-8000