Privacy Notice

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. 

For our everyday business purposes-
such as to process your transactions, maintain your accounts, 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

N/A

For our affiliates' everyday business purposes-
information about your creditworthiness

No

N/A

For nonaffiliates to market to you 

No

N/A

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. See below for more on your rights under state law. 

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.