Privacy and Security

At Mountain Commerce Bank, we are committed to providing you with financial products and services to meet your needs. Our commitment includes protecting personal information we retain about you (referred to as “information” in this notice) when you apply for or obtain a product from us to be used primarily for personal, family or household purposes. We want to earn your trust by providing strict safeguards to protect information about you as we continue to bring you valuable products and services. Please read this notice to learn about your privacy rights. In the future, Mountain Commerce Bank may decide to change the policies and procedures described in this privacy notice. We will notify you of significant changes by sending you an updated version of this privacy notice that includes these changes. For more information about our privacy practices, contact your local Mountain Commerce Bank office.

Privacy and security tips to protect your account:

  • Protect your information. Never give your Social Security number or personal credit information over the phone or the Internet unless you initiate the communication. Keep your personal identification number (PIN) and password in a safe place. Try to memorize your PIN and password and do not write them down with your account information.
  • Destroy and/or securely store your account records. Tear or shred receipts, bank statements and unused credit card offers. Keep billing statements and other account related documents in a safe place.
  • Immediately report lost or stolen checks, credit cards, and ATM or debit cards.
  • Memorize your personal identification numbers—Do not carry them in your wallet.
  • Promptly review all monthly financial statements and immediately report any discrepancies.
  • Retain receipts from all ATM, debit and credit card transactions. When you are ready to dispose of them, make sure your account number is not readable.
  • Immediately sign new credit cards.
  • Report unusual telephone or e-mail inquiries or other suspicious activity to your telephone company or local law enforcement authorities.

  • Learn about the Children’s Online Privacy Protection Act (COPPA) and follow the tips for parents at the Federal Trade Commission’s web site for children’s privacy at Children’s Online Privacy Protection Rule (“COPPA”) We respect the privacy of your children, and we comply with the COPPA. We do not knowingly collect or retain personally identifiable information from individuals under the age of thirteen online.

  • Regularly review your credit report. Keeping your credit report error free is important. Order a copy of your credit report and report any mistakes to the credit bureau and the creditor reporting the information. See www.ftc.gov for more information on how to request one free credit report per year from each credit bureau. The three national credit bureau agencies are: Equifax – www.equifax.com 1-800-685-1111, Experian – www.experian.com – 1-888-397- 3742, and TransUnion – www.transunion.com 1-800-916-8800

  • Check your billing statements. Review your statements thoroughly. Contact all your creditors immediately if you notice incorrect transactions.

  • If you lose your credit card or suspect that you have been a victim of identity theft, immediately notify your creditors, local law enforcement and the credit bureau agencies listed above. If you think your identity has been stolen, you may want to visit http://www.consumer.gov/idtheft, sponsored by the Federal Trade Commission.

  • Update your personal information as necessary by calling us using the customer service number on your account statement or contacting your local Mountain Commerce Bank banking branch.

Privacy policies and practices with respect to the internet

This Privacy Notice applies in its entirety to Internet and personal computer transactions. This Notice is provided to help you understand how we protect your financial privacy, just as we protect your financial assets. It gives you an opportunity to make educated choices about the management of personal information. If, after reading the notice, you still have questions, please visit one of our branches.

Collecting Information

The information we collect from you as you communicate with us using our web site(s) includes “cookies,” your IP address, and your email address.

Cookies

Cookies are small pieces of information sent by us to be stored on your Internet browser which help us recognize you and better serve you when you visit our site. We use cookies for marketing (this allows us to present products and services that may be of interest to you), site personalization, web-tracking, and online ordering. We do not use cookies to obtain data from your hard drive, email address or personal identifying information. Most browsers can be configured to inform you when cookies are set or to prevent cookies from being set. Please note, however, that by not accepting cookies you may limit the functionality we can provide when you visit our site.

IP Addresses

When you enter our web site, you pass through a “firewall” we use for security purposes. As you pass through it, we identify the Internet Protocol or IP address associated with the device you are using, such as a personal computer or handheld device. The IP address does not identify you personally, but it does allow Mountain Commerce Bank to identify the device you are using. We store IP addresses in case we ever need to track a connection to its point of origin for security reasons.

Online Forms and Applications

If you submit an application or form online, we will collect the information you send in an electronic database. This information includes the information you submit on the application or form as well as your IP address. We use this to help us process your request and as a security measure to protect against the loss, misuse, and alteration of data used in our systems.

E-mail

When you send us an email we will use your email address to reply to you, and, for a limited time, we will store your email address, your message, and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your email address in this manner, we will not use it to contact you about Mountain Commerce Bank products and services unless you have given us permission, in which case we may let you know by email about other products and services which may be of interest to you. You may reply to any email message we send to you to notify us that you no longer wish to receive e-mail messages from us in the future.

Sharing Information with Outside Companies

Co-branded and Alliance Relationships: Mountain Commerce Bank has established relationships with other parties on the Internet to offer you the benefit of products and services we may not offer. Mountain Commerce Bank offers you access to these other companies either through the use of hyperlinks to their sites from our site, or through offering “co-branded” sites in which both Mountain Commerce Bank and the other company share the same URL, domain name, or pages within a domain name on the Internet. Generally, we do not own the co-branded and alliance companies, and we do not control how those companies use any information you supply them. It is important, therefore, that you understand each company’s privacy policy if you visit their sites. However, if you are providing information to Mountain Commerce Bank, we will always adhere to the Mountain Commerce Bank Privacy Notice.

Third Party Service Providers on the Internet

Occasionally you will notice on mcb.com that services are “Powered by” or “Provided by” content providers or technology service partners. We contract with these providers to help us serve you better. We are selective in choosing these companies, and they are only allowed to use your information for the purpose of providing the services for which we have contracted them to provide.

Security

We have implemented standards of technology and operational security on the Internet to protect your nonpublic personal information from loss, misuse, alteration, or destruction. Specifically, information that is collected for processing or to keep as a Mountain Commerce Bank record is transmitted directly to our secure internal database server, and information stored there is not accessible to parties outside of Mountain Commerce Bank via the Internet. Our employees and contracted vendors are required to comply with our security, privacy, and confidentiality standards and practices.

E-mail (Message Center)

Messages sent via the Message Center (accessed under the Messages & Alerts tab) within Online Banking are secure. However, other email you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you do not send us confidential information such as Social Security or account numbers via unsecured email.

Your role in security

It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your password and that you exit any applications when you finish using them.

Aggregation services

There are a number of companies that currently offer aggregation services which consolidate your account information from several sources. While we recognize that you may want to use this service, we want you to know that providing an aggregator with your authentication information may result in unauthorized access and use of your confidential account information by the aggregator or a third party if adequate controls are not in place. Therefore, you should ensure that the aggregator company has appropriate processes in place to ensure the privacy and security of your information.

Important information about credit reporting

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.