Privacy Notice

Rev January 2013

Your privacy is important to us. Please take the time to read our privacy notice carefully, or download a copy for future reference.

Privacy Notice: Federal law requires us to tell you how we collect, share and protect your personal information. We will mail you a free copy upon request if you call us at (855) 293-4272.



What Does Centennial 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 depends on the product or service you have with us. This information can include:
  • Social Security number and checking account information
  • Account balances and transaction or loss history
  • Credit history and payment history
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 Centennial Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Centennial 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

YesNo
For our marketing purposes—

to offer our products and services to you

YesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes—

information about your transactions and experiences

NoWe don't share
For our affiliates’ everyday business purposes—

information about your creditworthiness

NoWe don't share
For our affiliates to market to youNoWe don't share
For non-affiliates to market to youNoWe don't share
Questions?Call 855-293-4272 or go to bankoncb.com
Who we are
Who is providing this notice?Centennial Bank
What we do
How does Centennial
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 Centennial
BANK collect my personal
information?
We collect your personal information, for example, when you
  • Open an account or make deposits or withdrawals from your account
  • Deposit money or pay your bills
  • 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 yourcreditworthiness
  • 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
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Centennial Bank does not share with our affliates.
Non-affiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Non-affiliates we share with can include companies such as financial service providers and/or direct marketing companies.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Investment Centers of America, Inc.
Other important information
Centennial 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 Centennial Bank should contact the Texas Department of Banking. Centennial Bank also engages in the money transmission and/or currency exchange business as an authorized delegate of assistance division of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact the consumer assistance division of MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM, if you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking. Consumers/customers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

In person or U.S. Mail
2601 Lamar Boulevard, Suite 300, Austin, TX 78705-4294

Telephone Number
877-276-5554

Fax Number
512-475-1313

E-Mail
consumer.complaints@dob.texas.gov

Website Address
www.dob.texas.gov