Privacy Policy

Rev. 06/2013

FACTS WHAT DOES FOCUS 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 Credit History
  • Account Balances and Transaction History
  • Assets and Income

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 Focus Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Focus 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 non-affiliates to market to you No We don't share
Questions? Call 1-800-464-3150 or go to www.focusbank.com
Who we are
Who is providing this notice?

Focus Bank
What We Do
How does Focus 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 Focus Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or Deposit Money
  • Apply for a Loan or Provide Employment Information
  • Give us your employment history

"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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial  companies.
  • Focus Bank does not share with our affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Focus Bank does not share with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance providers, debit card providers and identity theft prevention program providers.
Other Important Information (If Any)