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Western Commerce Bank
New Mexico buildings and hills

Privacy Policy

Revised: April 2023

FACTS

What Does Western Commerce 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 account balances
  • overdraft history and payment history
  • credit history and credit scores
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 Western Commerce Bank chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Western Commerce 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		 YES NO
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
For nonaffiliates to market to you NO We don't share
Questions? Call 1-800-922-9028 or go to www.wcb.net
Who we are
Who is providing this notice? Western Commerce Bank
What We Do
How does Western Commerce 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 Western Commerce 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
  • pay your bills or apply for a loan
  • 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 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.
  • Affiliate we share with can include Bank Consultants Inc.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • None
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Texas Independent Bankers (TIB).

Mobile Privacy Disclosure


FACTS
 WHAT DOES WESTERN COMMERCE BANK DO WITH YOUR PERSONAL INFORMATION FROM THE MOBILE APPLICATION?
Why?
 The mobile application requests access to information stored on your devise such as location, camera, contacts, or features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. 

It is important for you to understand that:
  • Before granting access to this information, you will be prompted to give the application permission.
  • If you do not wish to grant that permission, you may decline.
  • If you later change your mind, those permissions can be updated in your device's settings. 
What? Some examples of information your app will request access to are:
  • Location
  • Contacts
  • Camera
How? 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.
Questions? Please contact us at 1-800-922-9028 regarding questions about the information included in this Mobile Privacy Disclosure.