Custom Image

Privacy Policy

Revised September 2014
FACTSWHAT DOES AUSTIN CAPITAL 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 Payment history
    - Account balances and Transaction history
    - Credit history and Overdraft 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 Austin Capital Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Austin Capital 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 youNoWe don't share
For joint marketing with other financial companiesNoWe don't share
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 creditworthinessNoWe don't share
For nonaffiliates to market to youNoWe don't share
Questions? Call 1-512-693-3600 or go to www.austincapitalbank.com/contact-us.html
What We Do
How does Austin Capital 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 Austin Capital 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 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. See below for more on your rights under state law.
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
    - Austin Capital Bank has no affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
    - Austin Capital Bank does not share with nonaffiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
    - Austin Capital Bank does not jointly market.
Other important Information

Special Notice For State Residents

HOW TO FILE A COMPLAINT. Austin Capital 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 Savings and Mortgage Lending. Any consumer wishing to file a complaint against Austin Capital Bank should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated below:

In-person or by U.S. Mail :
2601 North Lamar Boulevard
Suite 201
Austin, Texas 78705-4294

Telephone Number: (877) 276-5550
Fax Number: (512) 475-1360
Electronic submission via the Department's website: http://www.sml.texas.gov/consumerinformation/tdsml_consumer_complaints.html