Privacy and Security

Privacy Statement

FACTS WHAT DOES TEXAS 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
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 we choose to share; and whether you can limit this sharing
Reasons we can share your personal information Does Texas 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 Don’t Share
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 affiliates to market to you No We Don’t Share
For non–affiliates to market to you No We Don’t Share
Questions? If you have any questions regarding this notice or the information shared by us, you may reach us in a manner that is convenient to you:
Who we are
Who is providing this notice? Texas Bank
What we do
How does Texas Bank protect my personal information? To protect information 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to appropriate employees
How does Texas Bank collect my personal information? We collect your personal information, for example, when you

  • open an account or deposit money
  • give us your income information
  • apply for a loan
  • make deposits or withdrawals from your account
  • make a wire transfer

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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • Texas Bank has no affiliates
Nonaffiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Texas Bank does not share information with non-affiliates
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance company and investment company
Other Important Information
You can help protect your privacy by using caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the bank and asks for your account number or any other identifying or account-related information, you should beware.

Texas Bank does not ask bank customers for personal information via email or phone. Anyone who receives an email or phone call that claims to be from Texas Bank and asks for account information should consider it to be a fraudulent attempt to obtain their personal account data and should not follow the instructions in the email or over the phone.

For Texas Customers:  Texas State Bank is chartered, licensed or registered 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 Texas State Bank should contact the Texas Department of Banking through one of the means indicated below:

In person or by US Mail:  2601 N Lamar Boulevard, Ste 300, Austin, Texas 78705-4294

Telephone:  877-276-5554                      Fax:  512-475-1313

Email:  consumer .complaints@dob.texas.gov          Website:  www.dob.texas.gov

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.