What does NCB 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. Please read this notice carefully to understand what we do.
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 transaction history
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
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 NCB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does NCB 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
For our marketing purposes— to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes— information about your transactions and experiences
For our affiliates’ everyday business purposes— information about your creditworthiness
For non-affiliates to market to you
Who we are
Who is providing this notice?
National Cooperative Bank, N.A. and its parent, the National Consumer Cooperative Bank (together NCB)
What we do
How does NCB 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 restrict access to non-public personal information about our customers and educate all employees about the importance of confidentiality and customer privacy.
How does NCB 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 credit 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include National Consumer Cooperative Bank, a financial institution established by Congress, and National Cooperative Bank, N.A., a national bank.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
NCB does not share information with non-affiliates so that they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners can include but may not be limited to credit card companies or other financial services companies.
We use “cookies” to provide you with a better online experience. A cookie is a small text file that can be placed on your system when you visit a website. Cookies are small pieces of information that a Web site stores on a visitor's Web browser to remind the site about the visitor the next time they visit the site. Our Site does not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it.
Tracking and Online Advertising
Some of our ads on third-party websites feature an Advertising Options Icon, that when clicked, (i) describes the collection and uses of data gathered at the relevant third-party website and (ii) provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA. If you choose to opt out, you may opt out by visiting www.aboutads.info/choices or by clicking on the AdChoices icon in an advertisement and following the instructions. You may also opt out of receiving behavioral ads from many sites through the Network Advertising Initiative's (NAI) Opt-Out Tool http://optout.networkadvertising.org.
Visit the Federal Trade Commission to learn more about how to limit tracking and online advertising through controlling cookies and other tracking technology that is attached to your browser.
National Cooperative Bank maintains information on social media sites like Facebook, Instagram, Twitter, and LinkedIn. When you post information on NCB’s social media pages it will be subject to the privacy and security conditions of the social media site. When you log into NCB owned social media properties, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a post.
Under various federal and state laws and regulations, customers and visitors may choose not to receive promotional email or electronic newsletters from us by following the "unsubscribe" or "remove" instructions in the specific email from which they wish to opt-out.
Children's Online Privacy Protection Act Information
This Website is not directed to children. We do not market to children, nor do we knowingly collect or retain personally identifiable information from children.
Remember to educate yourself on scams and threats and to maintain your computer operating system and data security software up to date. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN(s).