Cyber Security

Disclosures & Privacy Policies

Your privacy and security is serious business. We take rigorous measures to ensure that your accounts and your identity are protected, and that your personal information is safe.

  • Online Privacy Policy

  • General Privacy Policy

  • Funds Availability Disclosure

  • Mobile Privacy Policy

Online Privacy Policy

This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information online in the same way that we protect it elsewhere (in-branch, at ATMs, and on the phone).

You can visit this site and find out about our products and services, read our corporate reports, check on career opportunities, or get a news update and other value-added services without giving us any information about yourself.

If you do provide personal information, such as address, e-mail, telephone, and fax numbers, as well as demographic and customer identification, we will not disclose (share, sell or divulge) it to third parties without your consent except as already explained in our privacy statement. We will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards.

Community Bank of the Bay does not accept any responsibility for the security of or any losses incurred as a result of your sharing your personal account information (such as usernames, passwords, and PINs) with any unaffiliated third party for account aggregation purposes.

Tips for Securing Online Financial Transactions

Conduct financial transactions first in any online session. After completing financial transactions online, especially those that include providing a credit card number, log off before continuing other online activity. This may help to protect your confidential data (account numbers, passwords, etc.).

Protect your PINs and passwords! Create PINs and passwords that do not use readily identifiable information like names, birth dates, personal numbers or familiar words.

When applying online for any financial account, ensure that you are dealing with a reputable, federally insured institution with secure pages.

Learn about your financial institution’s capabilities for secure online financial services. All online contact with the institution should be through its secured web pages.

Notify us immediately of any changes in your account information.

Information About Cookies

In order to provide better service, we will occasionally use a “cookie.” A cookie is a small piece of information that a website stores on your web browser on your PC and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or “snail mail.” You can set up your web browser to inform you when cookies are set or to prevent cookies from being set. Cookies facilitate certain features that can make the surfing experience more convenient and valuable for web users. This is useful for having your browser remember some specific information, which the web server can later retrieve. As you browse the web, some cookies are “set” on your web browser. When you quit your browser, some cookies are stored in your computer’s memory in a cookie file, while some expire, or disappear. Most cookies last only through a single session, or visit. All cookies have expiration dates. The cookie is set on a particular browser on a particular computer, so when you use a different computer, the cookie will not exist. Instances where cookies are most commonly used include:

Ordering Online
Online ordering systems can use cookies that remember what a person wants to buy. Cookies enable users to keep browsing and adding to their “shopping cart.” They can even end a browser session, come back, and still have the same items in their carts from the last session, if they so choose.

Registering Online
If you decide to register for an informational site, such as a newspaper, periodical or an interest group site, or even a chat group or online community, you will likely be asked to supply some information about yourself so that you can use the service on a regular basis. Often cookies are used so that you do not have to identify yourself every time you re-enter the site

Site Personalization
Cookies allow users to indicate what types of information they are interested in receiving when they visit a particular site.

Website Tracking
Tracking allows site owners to find out what pages visitors link to, and interpret or infer what is interesting to them. This helps the owners of sites keep their content fresh and relevant.

Targeted Marketing
Cookies can be used to build a profile of where on a particular site you visit. This information is then used to target advertising that might be of interest to you. Some sites use cookies to “remember” which advertisements were sent to you, so that you do not see the same ones again.

Security
Cookies cannot be shared between web servers. Cookies can however, be used to obtain data from your hard drive, get your email address, or steal sensitive or personal information about you without your knowledge. Computer viruses are not passed through the setting or use of cookies. If you, as a visitor, want to disallow cookies you can do so in your web browser. Please be advised that cookies should be considered as sensitive data, and you should protect yourself from unauthorized access to them.

REGULATION CC FUNDS AVAILABILITY DISCLOSURE

YOUR ABILITY TO WITHDRAW FUNDS AT COMMUNITY BANK OF THE BAY. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. However, funds from electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 5:00 on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00 or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225.00 of your deposit, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available.

Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

  • You deposit checks totaling more than $5,525.00 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • We believe a check you deposit will not be paid.
  • There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds On Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Special Rules For New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open:

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the ninth business day after the day ‘of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit.

Funds from deposits of checks drawn on Community Bank of the Bay will be available on the same business day as the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

General Privacy Policy

Updated March 1, 2022

Facts:    What does Community Bank of the Bay 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.  When you are no longer our customer, we continue to share your information as described in this notice.  This information can include:

  • Social Security Number
  • Account Balances
  • Transaction History
  • Credit History

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 Community Bank of the Bay choose to share and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Community Bank of the Bay share?

Can you limit the sharing?

For our everyday business purposes – Such as to process transactions, maintain your account(s), respond to court orders and legal investigations or report to credit bureaus Yes No
For our general communication purposes – To facilitate mailing communications on our behalf Yes No
For our marketing purposes – To offer products and services to you Yes No
For joint marketing with other financial companies
No We don’t share
For our affiliates everyday business purposes – Information about your transactions and experiences No We don’t share
For our affiliates to market to you No We don’t share
For our non-affiliates to market to you

 

No We don’t share

Questions?         Call (510)433-5400

Download or Print our Privacy Notice

Mobile Privacy Policy

Community Bank of the Bay’s Mobile Application (the “App”) – powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.

The App allows you to:

  • get real-time balances for your accounts
  • manage your money
  • view your transactions and statements
  • make transfers
  • pay your bills and manage billers
  • deposit a check
  • receive alerts
  • manage cards

This Privacy Policy, in combination with other  relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding  the collection, use and disclosure of any personal information that we and our service providers collect from or about  users in connection with the App’s website and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through your use of the Services, we may collect personal information from you in the following ways:

  1. Personal Information You Provide to Us.
    • We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
    • We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date,  payment card identification, verification numbers, and transaction and payment history.
    • If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
    • We also collect other  types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding  support for the Services.
  2. Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
  3. Personal Information Collected Via Technology. We and our service providers may automatically log information about  you, your computer or mobile device, and your interaction over time with our Services, our communications, and other  online services, such as:
    • Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model,  browser type,  screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet),  IP address, unique  identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area.
    • Online activity data,  such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about  your activity on a page  or screen, access times, and duration of access.
    • Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
    • Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
    • Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
    • Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services.  If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

  1. General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
    • facilitate the creation of, and secure and maintain your account
    • identify you as a legitimate user in our system
    • provide improved administration of the Services
    • provide the Services you request
    • improve the quality of experience when you interact with the Services
    • send you administrative e-mail notifications, such as security or support and maintenance advisories; and send surveys, offers, and other promotional materials related to the Services.
  2. Compliance and protection. We may use your personal information to:
    • comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
    • protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims)
    • audit our internal processes for compliance with legal and contractual requirements and internal policies
    • enforce the terms and conditions that govern the Service; and
    • prevent, identify, investigate / deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
  3. Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

  1. In Accordance with Our Other Privacy Notices.  Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
  2. Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
  3. Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

LINKS TO OTHER SITES

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

  1. How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
  2. Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
  3. Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below.  If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS Communication’s by unlinking your mobile phone number through the Services.
  4. Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use,  modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.

CONTACT US

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact us by email at: MobileBankingPrivacy@bankcbb.com

Need More Info? Contact Us