We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms
Information about your transactions with us, our affiliates or others
Information we receive from a consumer reporting agencyNonpublic personal information is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history or overdraft history.We collect and retain certain information about you for the following reasons:
To protect your account and to identify you when we conduct transactions with you;
When the information will help us in administering your accounts and services;
To provide you with products and services that will best assist you or to help us understand your financial needs as we design or improve our products and services; and
To comply with certain laws and regulations that apply to us.Information We Disclose.
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.We may disclose the following information to companies that perform services on our behalf or to other financial institutions with which we have a joint marketing agreement. We maintain contractual confidentiality agreements with these third party service providers assuring that our customer information may not be shared with any other party or used for any other purposes than those contracted with us.Information we receive from you on an application or other forms, such as your name, address, social security number, assets and income;
Information about your transactions with us, our affiliates, or others, such as your account balance, overdraft history, payment history, parties to transactions and credit card usage;
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history or your handling of a checking account.We may also provide information:
When you authorize us to release information;
To consumer reporting agencies;
To comply with a law, regulation, court order or subpoena;
To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution;
In response to an inquiry about whether a check you have written on an account will clear;
To local, state and federal authorities if we believe a crime may have been committed involving your account;
To our independent auditors, consultants or attorneys and to agencies that regulate us.
To other parties when it is necessary or helpful in completing a transaction you initiate, including other financial institutions and networks involved in processing your transactions;Our Security Procedures.
We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We train our employees about the importance of maintaining the confidentiality of customer information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.Policy Changes.