Respect of Right to Privacy
River City Bank respects your right to privacy and takes every precaution to provide you with the highest practical level of privacy.
Collection and Use of Personal Information
The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for a specific business purposes to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.
What Information We Collect
We may collect “nonpublic personal information” about you from the following sources:
• Information we receive from you on applications or other loan and account forms;
• Information about you transactions with is, our affiliates or others; and
• Information we receive from third parties such as credit bureaus. “Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information regarding your account balance, payment history, and overdraft history.
Limited Employee Access to Personal Information
River City Bank limits employee access to your personal information to only those bank employees and administrators with a business reason for knowing such information. River city Bank also educates all employees about the importance of confidentiality and customer privacy. EMPLOYEES ARE ADMONISHED THAT ANY BREACH OF CUSTOMER CONFIDENTIALITY CAN RESULT IN IMMEDIATE JOB TERMINATION. In addition, individual user names and passwords are used by approved bank personnel to electronically access your personal information, providing audit trails to further safeguard the privacy of your personal information.
Third-Party Disclosure Restrictions
River City Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction: if the customer requests it, if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.), or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline. Personal information is made available to the affiliates of River City Bank which are limited to First State Bank, West Point Bank, Bank of Clarkson, and Meade County Bank.
What Information We Disclose
We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (“affiliates”). We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. We may share information about former customers with our affiliates or as allowed by law. You may direct us not to disclose to our affiliates information that does not relate solely to our experiences or transactions with you or your account (such as the application information and credit bureau information) by calling us at (502)585-4600. An individual signer or a joint account signer may direct us not to disclose such information on behalf of the joint account.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy practices as described in this notice.
Our Security Procedures
We also take steps to safeguard customer information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.