Privacy Notice

FACTS

WHAT DOES CROSS RIVER BANK DO WITH YOUR PERSONAL INFORMATION? 

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. 

Reasons we can share your personal information

Does Cross River Bank share? 

Can you 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

We don’t share

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

No

We don’t share

For nonaffiliates to market to you 

No

We don’t share

Questions?

Call toll-free 1-877-55CRB55 or contact us at www.crossriver.com 

WHAT WE DO

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. 

DEFINITIONS

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. 

OTHER IMPORTANT INFORMATION

For California Customers. We will not share personal information for joint marketing-without your authorization. 

For Nevada Customers. We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, please let us know by calling us at 1-877-55CRB55 or contact us at www.crossriver.com.

Additional information concerning our privacy policies can be found at www.crossriver.com or call 1-877-55CRB55. 

For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriver.com or call 1-877-55CRB55.