Privacy, Security & Fraud Prevention

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Privacy Policy

Rev 3-2010

FACTS

WHAT DOES 1ST CAPITAL 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 income
  • Account balances and payment history
  • Credit history and credit scores
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 1st Capital Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does 1st Capital Bank share? Can you limit this sharing?
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 		Yes No
For our marketing purposes -
to offer our products and services to you 		No We Do Not Share
For joint marketing with other financial companies No We Do Not Share
For our affiliates' everyday business purposes -
information about your transactions and experiences 		No We Do Not Share
For our affiliates' everyday business purposes -
information about your creditworthiness 		No We Do Not Share
For our affiliates to market you No We Do Not Share
For our nonaffiliates to market you No We Do Not Share


Questions
Call 831-264-4000 or go to www.1stcapitalbank.com


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What we are
Who is providing this notice 1st Capital Bank


What we do
How does 1st Capital 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.
How does 1st Capital Bank collect my personal information? We collect your personal information, for example when you:
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your ATM or debit card
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 law and individual companies may give you additional rights to limit sharing.


Definitions
Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
  • None
Nonaffiliates Companies not related by common ownership or control. They can be financial and non financial companies.
  • 1st Capital 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.
  • 1st Capital Bank doesn’t jointly market.

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Security

1st Capital Bank is committed to the highest standards and top technologies in the banking environment of today. We use encryption technology and protect our systems and networks with Firewall systems. We maintain and review activity logs to prevent unauthorized activities from occurring within our computing environment. Our employees have limited access to systems and data based on their job requirements. 

Fraud Prevention

Identity theft

Identity theft is a real concern to all of us in today’s world. By managing your personal information wisely and cautiously you can minimize your risk. You can help guard against identity theft by following a few simple steps.

  • Don’t reveal personal identifying information unless you are sure of how it will be used and whether it will be shared with others.
  • Don’t give out personal information on the phone, through the mail or over the Internet unless you have initiated the contact or know who you are dealing with.
  • Pay attention to your billing cycles. A missing credit card bill could mean an identity thief may have gotten access to your account and changed your billing address.
  • Guard your mail by depositing your outgoing mail in post office collection boxes or at your local post office.
  • Put passwords on your credit card, bank and phone accounts.
  • Keep items with personal information in a safe place. Tear or shred your charge receipts, copies of credit applications, insurance forms, physician statements, bank checks and statements that you are discarding, expired charge cards and credit offers you receive in the mail.
  • Be cautious about where you leave personal information in your home.
  • Find out who has access to your personal information at work and verify that the records are kept in a secure location.
  • Maintain current and accurate records of all credit cards in your name, along with address and phone numbers in a secure place in the event your wallet or purse is lost. Contact credit card companies immediately and ask for notification of excessive inquiries into your credit records.
  • Don’t carry your Social Security card in your wallet or purse. Give your Social Security number only when absolutely necessary. Request to use other types of identifiers when possible.
  • Check your credit report once a year to make sure it is accurate and includes only activities you have authorized.

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Credit Bureaus

Equifax – www.equifax.com
Report Fraud:   800-525-6285
Order Report:   800-685-1111
Write:   P.O. Box 740241
Atlanta, GA 30374-0241

Experian – www.experian.com
Report Fraud:   888-397-3742
Order Report:   888-397-3742
Write:   P.O. Box 2104
Allen, TX 75013

Trans Union -  www.tuc.com
Report Fraud:   800-680-7289
Order Report:   800-916-8800
Write:   P.O. Box 1000
Chester, PA 19022

Debit & Credit Card Fraud

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Debit cards and credit cards have become the most convenient form for purchasing our every day needs. They have replaced the actual need to carry cash and should be treated like cash. With the ever-increasing volume of debit cards and credit cards so has fraud.

  • You should never loan your cards to anyone.
  • Carry only the cards you use frequently.
  • Never leave your wallet or purse in your vehicle.   

Internet Fraud

The Internet has altered America’s lifestyle by enabling people from all walks of life to bring entire libraries, entertainment venues, post offices and financial centers to the home, workplace and shirt pocket. The biggest impact is how we shop now. The Internet is the most convenient way to purchase everything from groceries to houses. The ease and selection that the Internet provides to shoppers has changed the face of retailing. You can go to the retailer’s website to make a selection before leaving your chair. Just as consumers should take obvious measure to protect themselves in actual stores, online shoppers can consider sensible precautions as well.

  • Learn as much as possible about the product and seller.
  • Understand the retailers’ refund policies.
  • Choose a secure password to protect account information.
  • Use a secure checkout and payment process.
  • If an offer sounds highly suspicious or too good to be true, it probably is.

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