Last Updated July 18, 2022
FACTS
WHAT DOES cross river bank DO WITH YOUR PERSONAL INFORMATION?
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include: – Social Security number and Account balances – Payment history and Transaction history – Account Transactions and Wire transfer instructions When you are no longer our customer, we continue to share your information as described in this notice. |
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cross River Bank chooses to share; and whether you can limit this sharing. |
PERSONAL INFORMATION
| Reasons we can share your personal information | Does Cross River Bank share? | Can you limit this sharing? |
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
WHO WE ARE & WHAT WE DO
| Who is providing this notice? | Cross River Bank |
| How does Cross River Bank protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. |
| How does Cross River Bank collect my personal information? | We collect your personal information, for example, when you: – Open an account or apply for a loan – Make deposits or withdrawals from your account or Provide employment information – Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only – sharing for affiliates’ everyday business purposes—information about your creditworthiness – affiliates from using your information to market to you – sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. |
definitions
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. – Cross River Bank does not share with our affiliates |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. – Nonaffiliates we share with can include loan finance companies. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. – Our joint marketing partner(s) include loan finance companies. |
other important information
Special Notice For State Residents
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.
For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriverbank.com/privacy-policy or call 1-877-55CRB55.
questions?
Call 877-55CRB55 or go to www.crossriverbank.com.
