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

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.

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.


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, 2021

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

Need More Info? Contact Us