Privacy Policy

COPPA

In conforming with COPPA laws, Central Bank will not knowingly collect or use personal information from children under 13. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link.

Patriot Act

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information that identifies each person (individuals and businesses) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driverâs license or other identifying documents.

Central Bank Privacy Notice

Revised October 2023

What Does Central Bank Do with Your Personal Information?

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 and account assets. Please read this notice carefully to understand what we do.

Central Bank will keep requisite account, contact and personal information on file throughout the duration of our business relationship, or for a length of time as required for compliance with state or federal law. 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

Income
Account Balances
Payment History
Credit History/Credit Scores
Transaction History
Check Images

All financial companies need to share customers’ personal information to run their everyday business. Here is a quick overview of the reasons financial companies can share customers’ personal information, the reasons Central Bank chooses to share – and whether you can limit this sharing.

Reasons Central Bank Can Share Personal Info	Do We Share?	Can You Limit?
For 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 marketing purposes, to offer 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	Yes	No
For our affiliates’ everyday business purposes: Information about your creditworthiness	No	N/A
For (non)/affiliates to market to you	No	N/A

Question?

Call 832.485.2300 for more information.

What We Do

How Does Central 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 Central Bank Collect My Personal Information?

We collect your personal information, for example, when you:

Open an Account or Deposit/Withdrawal from Your Account
Pay Your Bills or Apply for a Loan
Make a Wire Transfer
Use Your Credit or Debit Card
Give Us Your Contact Information

We also collect your personal information from others, such as credit card bureaus, affiliates and similar 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 Non-Affiliates 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 non-financial companies.

Advantage Business Capital

Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.

Central Bank does not share with non-affiliates so they can market to you

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

TCM – Total Card Management, only if you apply for a credit card with the Central Bank logo

Other Important Information

Consumer Complaint Process

Central Bank is chartered under the laws of the State of Texas, and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Central Bank should contact the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294
Toll-Free: 877.267.5554
Fax: 512.475.1313
consumer.complaints@dob.texas.gov
dob.texas.gov

Reporting Incorrect Information

If you believe any information we have about you or your relationship is incorrect, please notify us at once. Central Bank will take prompt action in making the appropriate corrections. You may contact us by phone at 832.485.2300 or by mail at:

Central Bank
P.O. Box 801263
Houston, Texas 77280-1263