Online Privacy Notice

Last updated May 27, 2026

Please read this Online Privacy Notice before using our Services. It explains how Enterprise Bank & Trust and its legal affiliates (“Enterprise Bank & Trust”, “we” or “us”) collect, share, use, and protect personal information and data we receive through our website, mobile applications, other online services and digital advertising activities, and from other sources as described below such as via email, when visiting or interacting with our branch locations or when contacting our Client Service team (collectively, the “Services”). “You” and “your” refer to any person who accesses or uses the Services. By using the Services, you agree to be bound and abide by our Terms of Use and Online Privacy Notice in effect at the time of use. Do not access or use the Services if you do not agree with these terms.

Please keep in mind that if you have a financial product or service with us, we will also use and share any information that we collect from or about you consistent with our Consumer Privacy Notice, which may offer you certain choices with respect to the use and sharing of your personal information.

We may change this Online Privacy Notice from time to time. When we do, we will let you know by appropriate means such as by posting the revised information on this page with a new “effective date” displayed in this Notice. Any changes to this Online Privacy Notice will become effective when posted unless indicated otherwise.

By using the Services, you represent and warrant that you are legally eligible to use the Services with Enterprise Bank & Trust and that you meet all applicable eligibility requirements set forth in these terms. The Services are intended only for individuals who are at least 13 years old and we do not knowingly collect personal information from children under 13 without parental consent. For information concerning the Children’s Online Privacy Protection Act (“COPPA”), visit the Federal Trade Commission’s website at www.ftc.gov.

1. INFORMATION WE COLLECT

We may collect different types of personal information from you or others where we believe it is reasonably required for ordinary business purposes or legal obligations. We may collect such information by various means, including directly from you, both online (e.g., our website) and offline (e.g., when you call us or visit a branch location), through your use of our websites, our mobile application, or related online services, from other third party sources and social media platforms that you may use to engage with us, from our affiliates or third parties for the purposes provided below, and/or to supplement information we already possess. This includes:

Information you provide

This includes a username and password, contact information (such as name, email address, mailing address, telephone number) and financial account information. We may also collect payment card information, social security numbers, and driver’s license numbers (or comparable) that you provide where we believe it is reasonably required for ordinary business purposes such as user authentication. We also receive information you may provide through the Services (e.g., feedback, inquiries, etc.) and communications between us regarding the Services. Note that you may not be able to opt out of certain Services-related emails.

Identifiers and other information regarding use of the Services

We may use third-party analytics tools to help assist us in improving your online experience and measure traffic, usage, and sales trends by your use of our Services. These tools may capture the IP address of the device you use to connect to the online service, metadata, log files, the type of operating system and browser you use, information about the site you came from, the parts of our Services you access, and the site you visit next.

We or our third-party partners may also use cookies, pixels/tags, web beacons or other similar technologies (collectively, “Cookies”) to collect and store other information about your visit to, or use of, our Services. Cookies can help us automatically identify you when you return to our website, and for related security and user authentication purposes. In addition, we may later associate the usage and other information we collect online with personal information about you. Cookies help us review traffic patterns, improve the website, and determine what Services are popular. We can also use such information to deliver customized content and advertising to users of the Services whose behavior indicates that they are interested in a particular area.

If you do not want information collected through the use of cookies, most browsers allow you to reject cookies, although it can impact your ability to use the functionality or features provided by the Services. We do not respond to browser-based do-not-track (“DNT”) signals at this time, but see the Your Privacy Choices section below in regard to Global Privacy Control (GPC) signals. We may share non-personal information obtained via cookies with advertisers and affiliates.

When you use the Services, the information we may collect by automated means include, for example:

• Usage details about your interaction with our Services (such as date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, referring website addresses);
• Device information, including the IP address and other details of a device that you use to connect with our Services (such as device type and unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number); and
• Location information where you choose to provide the website with access to information about your device’s location.

Information received from third parties

We may receive personal information about you from additional online and offline sources and third parties (such as credit reporting agencies) to supplement the information we receive from you. If we do so, this Notice governs any combined information that we maintain in a personally-identifiable format.

2. HOW WE USE YOUR INFORMATION

In general, we use the personal information described above a number of ways, such as:

• Process account applications and transactions, and to facilitate other account activities;
• Verify your identity (such as when you access your account information)
• Detect potential fraud and enhance our online security measures;
• Help you efficiently access and manage your information and preferences;
• Provide you with customer support;
• Provide personalized content and information, which could include tailored online ads or other forms of marketing; operating, evaluating and improving our business (including developing new products and services’ improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
• Perform analytics concerning your use of our online services, including your interactions with our emails and the pages and advertisements you view;
• Monitor metrics such as total number of visitors, traffic, and demographic patterns; and
• For other purposes disclosed at the time of collection.

We may also use the information we collect as we believe to be necessary or appropriate for certain essential purposes, including:

• To facilitate the functionality of our Services and business operations;
• To comply with and enforce applicable legal requirements, relevant industry standards, contractual obligations and our company policies;
• To detect, prevent, or investigate potential security or fraud events;
• To enforce our Terms & Conditions, protect our operations, or pursue available remedies or limit the damages that we may sustain; and
• To protect our rights, privacy, safety or property, security and/or that of our affiliates, business partners, you or others.

We may aggregate data we collect on an anonymous basis that does not identify you for any purpose otherwise allowed by applicable law.

Job applicants may also provide us information as part of an employment application that includes name and contact information, resume (e.g., education and work experience), and cover letter. We may also obtain personal information about applicants from third parties (e.g., former employers or references you provide). We use this information to evaluate applicants for employment with us and for on-boarding and human resources purposes in connection with such employment. Job applicants may provide additional information for routine background checks to a third party provider of such services, which may be subject to specific privacy terms and consents provided at the time of collection.

3. SHARING OF YOUR INFORMATION

We are not in the business of selling personal information about our users to third parties without your consent. We may share the information we collect from and about you with our affiliates and other third parties in some instances, such as:

• Our third party service providers that perform technology, business, professional, or banking functions (such as IT services, maintenance and hosting of our Services, and payment processors) on our behalf;
• Enterprise Bank & Trust’s affiliated websites and businesses in an effort to bring you improved service across our family of products and services
• Other companies in connection with co-branded services, products or programs, when permissible under relevant laws and regulations;
• Credit reporting agencies;
• Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of Enterprise Bank & Trust’s businesses;
• To comply with legal requirements such as regulator, court, and law enforcement demands (subpoenas, court orders, etc.);
• To address fraud, security or technical issues;
• To respond to an emergency or otherwise to protect the rights, property or security of our company, customers or third parties.

Note that we do not share your text message program enrollment or consent with third parties for their own purposes.

Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Consumer Privacy Notice.

4. SECURITY OF YOUR INFORMATION

Although we implement commercially-reasonable administrative, physical and technical security measures designed to protect your personal information from unauthorized access or use, we cannot guarantee that the information will not be accessed, disclosed, altered, or destroyed. We will make any legally required disclosures of any breach of access, confidentiality, or integrity of your personal information. To the extent the law of your jurisdiction allows for notification of a breach via email or the Services, you agree to accept notice in that form.

Please note that information you send to us electronically may not be fully secure when it is transmitted to us. We recommend that you do not use insecure channels to communicate sensitive or confidential information (such as your Social Security Number) to us.

5. YOUR PRIVACY CHOICES

• Accessing and correcting your information: You may access your account information and transaction history, and update certain account information, by logging in to the Services or by contacting us.
• User profile settings: Your user profile may provide different options for the type of personal information you can provide and communication options that you prefer.
• Emails: Promotional emails provide the opportunity to opt out of receiving future messages by clicking on the link at the bottom of the email that says “unsubscribe.” It may take up to ten (10) business days for us to process opt-out requests. Please note that this opt out does not apply to service messages (e.g., account verification, payment confirmations, technical and security notices).
• Text messages: In the event you are enrolled in services that provide text messaging, you can opt out by replying “STOP” to any text message received.
• Cookies: As noted above, most web browsers allow a user to reject cookies, but doing so may diminish your experience with our services.
• Mobile devices: Our mobile application requests access to information stored on your device such as location, camera, contacts, or other features to enrich and simplify your experience and improve the services we provide. You will be prompted to allow the app to access this information at download or initial log in. If you do not wish to grant this permission, you may decline. If you later change your mind, permissions may be updated in your device or app settings.
  • Examples of information the app may request access to are:
    1. Location: Your location is used to prevent fraudulent activity and to display locations near you.
    2. Contacts: Allowing access lets you add contacts to use with specific features. Only the contacts you choose will be added. This information will not be shared with any third parties.
    3. Camera: The app uses your camera to capture check images.
    4. Other: We may ask your permission before collecting certain information (such as precise geo-location information).

6. STATE-SPECIFIC PRIVACY RIGHTS AND DISCLOSURES

Enterprise Bank & Trust is a regulated financial institution. Information we collect from or about individuals in connection with any consumer banking activities is treated in accordance with applicable federal and state privacy laws including the Gramm-Leach-Bliley Act (“GLBA”) and Fair Credit Reporting Act (“FCRA”). We therefore use and share any information that we collect from or about customers of our financial products or services consistent with the disclosures in our Consumer Privacy Notice, and are not subject to many state privacy laws under their exemptions for (i) GLBA-regulated organizations and/or (ii) information regulated by GLBA or FCRA.

However, we do provide the following additional privacy rights under state privacy laws:

(1) Anyone can opt out of our Cookies that engage in third party targeted advertising or other selling/sharing of personal information to third parties, such as through the ‘Your Privacy Choices’ link in our website footer, or via a Global Privacy Control (GPC) signal from your browser.

(2) California residents can exercise certain privacy rights where they are commercial banking customers, job applicants, current and former employees, contractors and business partners. Due to the nature of these relationships, the collection and use of personal information can vary, but in general terms and in addition to all the disclosures above:

• Commercial banking customers may provide us with personal information in connection with commercial banking applications, accounts and activities, which is primarily used to provide banking services and for the other purposes described above with respect to consumer banking customers.
• Job applicants may provide us with personal information as part of an employment application and review process that includes the applicant’s contact information, education and employment history, resume and cover letter.  We do not use this information for any purpose other than to evaluate the individual for employment with us and manage our careers program. Job applicants may provide additional information for routine background checks to a third party provider of such services, under specific privacy terms and consents that are provided at the time of collection.
• Employees receive disclosures during and after onboarding that provide additional details regarding our employee privacy practices.
• We collect contact information and other personal information reasonably necessary to engage and work with contractors and business partners in the course of a business relationship.

Such individuals who are a California residents can personally (or through an authorized agent) request additional information about our privacy practices with respect to their information, as well as request that we: (i) provide a copy of their personal information in our records; (ii) correct or delete such personal information; or (iii) not sell or share such information to a third party, use it to engage in third party targeted advertising, or use sensitive personal information for purposes other than for which it was provided, to the extent we engage in these activities. All of these requests are subject to various exceptions provided by California law. To exercise any such privacy rights, please submit a request to us via the contact information provided in this notice. We will endeavor to fulfill the request consistent with applicable law. Please provide sufficient information so that we may identify you including full name, email address on file with us, phone number on file with use and any relevant identifiers (e.g., account number, employee number). We implement certain authentication requirements to verify your identity before processing such privacy requests.

We do not provide a financial incentive or a price or service difference to you in exchange for the retention or sale of your personal information. We may send promotions or offers to you and unless you have directly opted out of such communications by clicking the “unsubscribe” link provided within the communication, you will continue to receive such notices irrespective of whether any privacy rights request described here has been submitted. We do not discriminate against anyone for exercising any data subject rights. We do not share personal information such as your contact information with third parties for their own direct marketing purposes.

7. ONLINE ADVERTISING

Where permitted by law, we may advertise, through the Services or on unaffiliated websites, the products or services that are offered by us or third parties we work with, such as pre-screened offers of credit. These advertisements (“ads”) may be based on information about you that we, our affiliates, service providers or other companies we work with have, including your existing relationship with us (e.g., location, types of accounts and transactional information).

8. LINKING TO THIRD-PARTY WEB SITES AND SERVICES

Our Services may contain links to other websites or services that are owned or operated by other companies ("Third-party Websites"). We are not responsible for the practices employed by any Third-party Websites or services linked to or from our Services, including the information or content contained within them. Your browsing and interaction on any Third-party Websites or service, including those that have a link on our Services, are subject to that third party’s own rules and policies, not ours. By accessing Third-party Websites you agree that we are not responsible and do not have control over any third-parties that you authorized to access your personal information, this includes your sharing of account credentials with any third party or linking your activity to any social media platforms. We encourage you to read their privacy policies before providing any information to them.

9. INTERNATIONAL DATA TRANSFER

By registering for and using the Services you consent to the transfer and use of your personal information anywhere where the Services or our service providers maintain facilities, consistent with this Online Privacy Notice. Enterprise Bank & Trust operates in the United States. While our primary data centers are in the United States, we may transfer personal information or other information outside of the United States. In addition, we may employ other companies and individuals to perform functions on our behalf. If we disclose personal information to a third party or to our employees outside of the United States, we will seek assurances that any information we may provide to them is safeguarded adequately and in accordance with this Online Privacy Notice. By providing your personal information, you consent to any transfer and processing in accordance with this notice.

10. DATA RETENTION

We keep personal information at least as long as necessary for business purposes, our retention policy, and legal requirements. We may record and retain certain customer calls as reasonably needed for quality assurance and training, security and fraud prevention, and other related purposes.

11. HOW TO CONTACT US

Please direct questions or concerns about this Online Privacy Notice, our Services, or to submit a data rights request by your preferred method below.

By mail at
Enterprise Bank & Trust
Attention: Information Security & Privacy
1281 N Warson Road
St. Louis, MO 63132

By email at: [email protected]

By phone at: 1.877.256.9809