Social Media Employee Policy For Banks

Look around. Maybe you’re in your office, out on the bank branch floor, or maybe even waiting in line at the grocers — regardless, I bet you can spot someone looking at their phone and engaging on social media. Maybe it’s even you… yeah, I see that minimized window.

Officially or not, social media is in your branch. The best way to protect your institution is to create a social media employee policy. In fact, a study by the Pew Research Center found the lack of a social media employee policy increases the odds that employees will use social media during work hours.

Social media employee policy reduces the percent of employees who use social media at work.

And even more shocking, 77% use social media at work regardless of company policy.


Why does your bank or credit union need a social media employee policy?


Employees are going to use social media. It might not be while they’re on the clock or confined within the four walls of the branch, but the risk doesn’t end there. Social media marries personal and professional lives. Safety comes from embracing this reality and empowering your employee to act responsibly.

bank of america terminates an employee for social media comments

Think of social media like a lawn. Take care of it and it will add value and appeal to your house. Leave it unmanaged and weeds will grow, the neighbors will talk, and at some point, you’ll have to address it.


What should be in a social media employee policy?


Every social media employee policy should include these basic sections: a code of conduct, do’s & don’ts, and consequences. Here are some copy-and-paste sections you can use to create your social media employee policy.


Social Media Employee Policy Code of Conduct

  • Be honest — Disclose your affiliation and position with the organization. Try to always speak honestly, and if you do write something that is false, correct it as soon as possible.
  • Be wise — Some topics invite confrontation, and so should be avoided; Politics, religion, sexuality, or anything polarizing/controversial. If you would feel uncomfortable bringing it up at a business luncheon, then you should avoid it on social media.
  • Be kind — Honor people’s differences. Respect other people’s opinions. Discriminatory behavior is not tolerated.
  • Be trustworthy — Don’t disclose confidential or personal information. This includes numbers, legal documents, promotions, plans, and consumer information. If you have doubts, ask HR before you post.


Social Media Employee Policy Do’s

  • Do feel free to be active on social media. We just ask that you keep it to a respectable minimum at work and not engage with it in the presence of a customer (or member).
  • Do ask for help. We don’t expect you to be a social media expert, and if you have any questions, we’d love to work with you.
  • Do speak up. You are the eyes and ears of the organization. If you notice a problem or are concerned with any communications, please bring it to the attention of HR and the social media team.
  • Do clarify what is your opinion. We encourage you to mention us in your profile, however, we ask that you also include a disclosure that all opinions are your own. Example “I work at [ORGANIZATION] but all opinions are my own.”
  • Do listen before you speak. Learn how each social media network works before you jump into the conversation.
  • Do assume everything you write is public and permanent. Expect your posts to be brought up in meetings or sales calls. This includes posts you’ve deleted.
  • Do familiarize yourself with the terms of service and privacy policy of all social media sites you wish to participate on.
  • Do understand your rights. We respect our employees and want them to understand both our policy and their rights as individuals. We encourage you to read the NLRA’s policy on employee’s rights on social media.


Social Media Employee Policy Don’ts

  • Don’t publish material that is under copyright or is confidential.
  • Don’t cite or reference customers, clients, or partners without their approval.
  • Don’t attempt to provide customer service through your personal account.
  • Don’t prioritize social media over the quality of your work.
  • Don’t list your work email on your personal profiles. This can cause confusion for the consumer about which channels are official.
  • Don’t leave accounts logged in on a public or unlocked machine.
  • Don’t comment on any mention of our organization in the news unless you are authorized as a representative.



It's important to be clear about the consequences of violating policies established in the social media employee policy. When you prepare this section, be sure to consult the NLRB social media guidelines. Some employee activity is protected and prohibiting this behavior can put your bank or credit union at risk.

Here is an example of describing consequences in your social media employee policy:

Violating any of the social media employee policy guidelines could result in your termination, expose our institution to risk, or cause damage to our consumers. Any violation will be reported to HR and, depending on the severity, could result in a write-up, suspension, or termination.

If you have more questions about what you can and can't legally do in your policy, during the hiring process, or as a consequence, check out this great article from Monster.


What should be the tone of your social media employee policy?


Social media employee policies should reflect your corporate culture. At the end of this article is a list of policies from other businesses. You’ll see that the core ideas stay consistent, but each business discusses them in a way that is unique. The most important thing is that the policy is understood — it could be that the policy is best communicated in a humorous video. Check out this example:




Who should set social media employee policy?


Policy should be set by a committee comprised of compliance, marketing, HR, and IT. Everyone on the committee should review applicable legislation and guidance (FFIEC, FTC, NLRA, etc.). This committee should review the policy after any unanticipated infraction or as they become aware of changes in the landscape. 

Where should your social media employee policy live?


The policy should live with HR and be reviewed as part of the employee onboarding process, and as part of an annual training.

You should keep a copy readily available for reference. This could be in the break room, or digitally on a shared server.


How often should you update your social media employee policy?


Social media and user behavior changes quickly. Setting a policy and then leaving it unedited for years exposes your institution to emerging risks. We recommend that you examine your social media policy at least two times a year and after every incident or major change in the landscape.

An example of a major landscape change: Facebook Live (video streaming) is released. A teller is streaming and in the background is a post that displays the APY of your checking account. The qualification language is not visible. The committee would need to discuss this issue, the potential risk it poses to the institution, and what changes need to be made to the policy in order to mitigate this risk. Once the policy has been updated, you should communicate the change to all employees.


Examples of social media employee policies


Associated Press

Best Buy




U.S. Coast Guard


What’s Kasasa?

Kasasa® is an award-winning financial technology and marketing services company dedicated to helping both community financial institutions and consumers experience what it means to “Be Proud of Your Money.” We’re known for providing reward checking accounts consumers love, the first-ever loan with Take-Backs™, relationship-powered referral programs, and ongoing expert consulting services to community financial institutions.

By working exclusively with community banks and credit unions, Kasasa is helping to strengthen local economies across the nation, building a virtuous cycle of keeping consumers’ dollars where they can do the most good. Our mission is to power a network of financial institutions in all 50 states offering products and services that are clearly beneficial for the consumer and the institutions offering them.

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