Privacy Notice


Young business owner on the phone next to her register.

What Does BNC National Bank Do With Your Personal Information?

Rev. Date 9/16

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
  • Account balances
  • Payment history
  • Account transactions
  • Mortgage rates and payments
  • Checking account information
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 BNC National Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does BNC National 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		 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 our affiliates to market to you No We Don't Share
Questions? Call toll-free 1-800-262-2265 or contact us.

What We Do
How does BNC National Bank protect my 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 BNC National Bank collect my information? We collect your personal information, for example, when you
  • Open an account 
  • Apply for a loan
  • Use your ATM/debit card
  • See financial or tax professional for advice 
  • Make deposits or withdrawals from your account
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.
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.
  • BNC National Bank does not share with affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and
non-financial companies.
  • BNC National Bank does not share with non-affiliates so they can market to you..
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Elan Financial Services. A credit card company.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members/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 non-affiliated 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 is available by calling 1-800-262-2265 or contact us.