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At Community 1st Bank, protecting your privacy is a top priority and we want you to know we understand that the privacy and security of personal information is of concern to our customers. You have chosen to do business with us, and we recognize our responsibility to keep the information you provide to us secure and confidential. The following policy serves as a standard for all Community 1st Bank employees for the collection, use and retention, and security of nonpublic personal information.
What Information We collect
We collect and retain information about you to identify and communicate with you, to provide you with products and services you have requested, to help us respond to your questions, and to inform you about other financial services that may be of interest to you.
We collect the following types of non-public personal information about you from the following sources:
- Information we receive from you on applications or other forms such as your name, address, social security number or identification numbers;
- Information about your transactions with us, such as your account balance, payment history, or debit card usage;
- Information we receive from consumer reporting agencies, such as credit history.
What Information We Disclose
The Bank will not disclose any personal information to any third party (nonaffiliated or affiliated) except as stated in this section. As appropriate to the circumstances, the Bank may disclose any of your personal information:
- When you authorize us to;
- To comply with a law, regulation, legal process or court order which applies to us;
- To other companies or financial institutions involved in processing your transactions on our behalf;
- To effect, administer or enforce transactions that you have requested or authorized;
- To other businesses who we reasonably believe have a legitimate need for the information;
- To help us design or improve our products and services;
- To offer financial products and services provided by other companies that may be of interest and benefit to you;
- In connection with acquisitions and sales.
If you decide to close your accounts or become an inactive client, we will continue to adhere to the privacy policies and practices described in this notice.
Maintaining Your Privacy in Business Relationships with Third parties:
We may disclose all of the personal information we collect, as described in the above section, with other companies that perform support services for one or more of our products or to support a transaction between us, such as our data provider and the companies that print our statements and your checks. We may also share information as necessary, to the Bank’s regulators, attorneys, accountants and auditors or other as permitted by law.
Whenever we do this, we choose theses companies carefully, and share the minimum amount of information necessary for that company to offer its product or service. These vendors and service companies are required to safeguard all confidential information about you and your relationship with the Bank and abide by applicable law.
Confidentiality and Security Procedures
We value your trust and handle your information with care. Our employees are informed of their responsibility to protect confidential customer information. Employees are held to the highest standard of conduct in safeguarding the confidentiality of customer information. Employees who violate these standards will be subject to disciplinary measures. All customer information is considered private and privileged and is to be used solely for the purposes of providing you with the finest service available.
Community 1st Bank maintains physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. All of our operations and data processing systems are in a secure environment that protects your account from being accessed by third parties. Visitors to the Community 1st Bank Website remain anonymous. We may, however, use standard software to collect non-identifying information about visitors such as, date, time, type of web browser utilized, and the IP address of your server. The Bank may use this information to create summary statistics to determine the level of interest in our website.
Updating Information
Community 1st Bank makes every effort to ensure that our customers’ records are correct and up-to-date. If you determine that your account information is inaccurate or incomplete, please contact us at 916-724-2424 or write to us at P.O. Box 670, Roseville, CA 95661. We are pleased you chose Community 1st Bank to be your financial partner and we will continue to make every effort to exceed your expectations.
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