Privacy Notice

What does River City Bank do with personal information?

Facts

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
  • Account balances
  • Transaction history
  • Overdraft history
  • Account transactions
  • Checking account information

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 River City Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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

Does River City Bank share? Yes.

Can you limit this sharing? No.

For our marketing purposes – to offer our products and services to you

Does River City Bank share? Yes.

Can you limit this sharing? No.

For our affiliates’ everyday business purposes – information about your transactions and experiences

Does River City Bank share? No.

Can you limit this sharing? We don’t share.

For our affiliates’ everyday business purposes – information about your creditworthiness

Does River City Bank share? No.

Can you limit this sharing? We don’t share.

For nonaffiliates to market to you

Does River City Bank share? No.

Can you limit this sharing? We don’t share.

What We Do

How does River City 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 River City Bank collect my personal information? We collect your personal information, for example, when you:

  • Open an account
  • Deposit money
  • Use your credit or debit card
  • Make deposits or withdrawals from your account
  • Apply for financing

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit 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. See below for more on your rights under state law.

Definitions

Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies.

  • River City Bank does not share with our affiliates.

Nonaffiliates – Companies not related by common ownership or control. They can be financial and non-financial companies.

  • River City Bank does not share with nonaffiliates so they can market to you.

Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • River City Bank does not jointly market.

Other Important Information

Per California state law, we will not share personal information with nonaffiliates either for them to market their products and services to you or for joint marketing – without your authorization. In the future, if we have affiliates, we will also limit our sharing of personal information about you with our affiliates to comply with all state privacy laws that apply to us. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Questions? Call (916) 567-2899 or go to www.rivercitybank.com.

Effective 4/2017