PRIVACY STATEMENT


We realize that our customers entrust us with personal information, and it is our policy to maintain our customers' information in a confidential manner. We are committed to protecting the security and privacy of our customers' personal information, as well as personal information of all consumers who visit our bank.

The following privacy statement explains how we use and protect the information about you, our customer at Texas Community Bank, N.A. We ask that you read it carefully.

We, our, and us, when used in this statement notice, means Texas Community Bank, N.A.

This is our privacy statement notice for our customers. When we use the words “you” and “your” we mean all of our consumer customers who have a continuing relationship with us, such as:
  • Deposit Account

  • Loan Account

  • Credit Card

  • Safe Deposit Box

  • Self-directed Individual Retirement Account where we act as custodian or trustee

  • Home Mortgage Brokerage


  • We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

    DEFINITIONS
    We first define some terms.
  • NONPUBLIC PERSONAL INFORMATION means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

  • An AFFILIATE is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

  • A NONAFFILIATED THIRD PARTY is a company that is not an affiliate of ours.


  • INFORMATION THAT WE COLLECT
    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.

  • Information from a consumer reporting agency.


  • INFORMATION WE DISCLOSE ABOUT YOU
    We do not disclose any nonpublic personal information about our customers to nonaffiliated third parties except as set forth in this policy and as permitted by law. For example, we share information that is necessary to service your account, protect against fraud, or when we contract with third party agents or service providers to provide products or services on our behalf.

    CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
    We allow access to nonpublic personal information about you only to those employees who need to know that information in order to provide products or services to you. Our employees are trained to respect customer privacy and to access customer information only when they have a business reason to know the information. In addition, we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

    PROTECTING CHILDREN'S PRIVACY ONLINE
    We feel strongly about protecting the privacy of children. As such, we do not knowingly collect or use personal information from children under the age of 13, through the Bank's web site, without obtaining verifiable consent from their parents and or legal guardian. Should we determine that a child under the age of 13 sent or otherwise provided personal information to us, that information will be used only to obtain consent from their parents and or legal guardian.

    MAINTENANCE OF ACCURATE INFORMATION
    We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

    QUESTIONS REGARDING PRIVACY
    If you have additional questions about privacy, please contact us by phone at 956-722-8333 or at the following address: Compliance Department, Texas Community Bank, P.O. Box 450269, Laredo, Texas 78045-0006.

    CONSUMER COMPLAINT NOTICE
    Texas Community Bank, N.A., is chartered under Federal law and is regulated by The Office of the Comptroller of the Currency. Any consumer wishing to file a complaint against Texas Community Bank, N.A., should contact the following agency:

    Office of the Comptroller of the Currency
    Customer Assistance Group
    1301 McKinney Street
    Suite 3450
    Houston, Texas 77010
    1-800-613-6743
    Email: Customer.Assistance@occ.treas.gov
    Internet: http://www.occ.treas.gov

     

    Equal Housing Lender
    P. O. Box 450269
    6721 McPherson Road
    Laredo, Texas 78041
    Phone: 956-722-8333
    Member FDIC