Privacy Policy

Keeping your personal information safe

Print this notice (PDFs need Adobe Reader) Rev. November2022

FACTS	WHAT DOES BESTCITIZENBANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies decide for themselves how they share your personal information. Federal law gives you the right to limit some sharing, but not all of it. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully so you know what we do.
What?	Which personal information we collect and share depends on the product or service you have with us. It can include: Social Security number and account balances Payment history and activity records Your account history and activity Once 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. Below, we list the reasons financial companies can share their customers’ personal information, the reasons BestCitizenBank chooses to share, and whether you can limit that sharing.

Reasons we can share your personal information	Does BestCitizenBank share?	Can you limit this sharing?
For our everyday business purposes – for example, to process your activity, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes – to tell you about our products and services	YES	NO
For joint marketing with other financial companies	NO	WE DON'T SHARE
For our affiliates’ everyday business purposes – information about your activity and experiences	NO	WE DON'T SHARE
For our affiliates’ everyday business purposes – information about your creditworthiness	NO	WE DON'T SHARE
For our affiliates to market to you	NO	WE DON'T SHARE

Questions?	Call (888) 673-1808 or visit www.preferredbank.com

Who we are
Who is giving you this notice?	BestCitizenBank
What we do
How does BestCitizenBank keep my personal information safe?	We keep your personal information from being seen or used without permission by applying security measures that comply with federal law. Those measures include computer safeguards and secured files and buildings.
Where does BestCitizenBank get my personal information from?	We gather your personal information, for example, when you open an account or put money in pay your bills or apply to borrow use your credit or debit card We also get your personal information from other sources, such as credit bureaus, affiliates or other companies.
Why can’t I limit every kind of sharing?	Federal law lets you limit only sharing for affiliates’ everyday purposes – information about your creditworthiness affiliates using your information to market to you sharing for non-affiliates so they can market to you State laws and individual companies may give you additional rights to limit sharing. See below for more about your rights under state law.

Definitions
Affiliates	Companies linked by common ownership or control. They may be financial or non-financial companies. BestCitizenBank has no affiliates.
Non‑Affiliates	Companies with no common ownership or control linking them. They may be financial or non-financial companies. BestCitizenBank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that market products or services to you together. BestCitizenBank does not take part in joint marketing.

Definitions

Affiliates

Companies linked by common ownership or control. They may be financial or non-financial companies.

Non‑Affiliates

Companies with no common ownership or control linking them. They may be financial or non-financial companies.

Joint Marketing

A formal agreement between non-affiliated financial companies that market products or services to you together.

Other important information
California: California law says we will not share information we collect about you with companies outside of BestCitizenBank unless the law allows it. We limit sharing among our companies as far as California law requires. State law: Where state law gives you stronger privacy protections, we follow it.