Privacy
What Does Metropolitan 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 income
- Account balances 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 Metropolitan Bank chooses to share; and whether you can limit this sharing.
What You Control
| Reasons we can share your personal information | Does Metropolitan Bank share? | Can You Limit 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. | N/A | N/A |
| For our affiliates' everyday business purposes — Information about your transactions and experiences | N/A | N/A |
| For our affiliates' everyday business purposes — Information about your creditworthiness | N/A | N/A |
| For nonaffiliates to market to you | N/A | N/A |
Questions?
Call (510) 834.1933 or go to 250 East 18th Street, Oakland, CA 94606.
Privacy Notice
Mobile Banking Privacy Notice Download
Who is providing this notice?
Metropolitan Bank
What we do
How does Metropolitan 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 Metropolitan Bank collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- 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 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.
For California Residents: We will not share information we collect about our customers with nonaffiliated third parties, except as permitted by California law, such as to process your transaction or to maintain your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Metropolitan Bank has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Metropolitan 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.
Metropolitan Bank does not jointly market.
Other Important Information
Do Not Call Policy
This notice is the Metropolitan Bank Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via phone numbers listed on the state or federal Do Not Call lists, unless the law permits. Metropolitan Bank associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Metropolitan Bank will be placed on the Metropolitan Bank Do Not Call list and will not be called in any future campaigns. If you communicate with us by telephone, we may monitor or record the call.
Revision 01/2023
COPPA Disclosure
About Children’s Online Privacy
The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Metropolitan Bank’s website and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, please see the FTC website.
CIP Notice
About Customer Identification Program (CIP)
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask for a copy of your driver’s license or other identifying documents.
If you have any questions, feel free to ask our branch officer.