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FACTS |
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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. |
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What? |
The types of personal information we
collect and share depend on the product or service you have with us. This
information can include: l Social Security
number l Payment history
l Income l Credit history
l Account balances l Credit scores
When you are no longer our customer, we continue to share
your information as described in this notice. |
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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 1st Constitution Bank
chooses to share; and whether you can limit this sharing. |
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Reasons we can
share your personal information |
Does 1st
Constitution Bank share? |
Can you limit
this sharing? |
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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 |
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For our marketing purposes - to
offer our products and services to you |
Yes |
No |
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For joint marketing with other financial companies |
No |
No |
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For our affiliates' everyday business purposes - information about your transactions and experiences |
No |
No |
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For our affiliates' everyday business purposes - information about your creditworthiness |
No |
No |
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For nonaffiliates to market to you |
No |
We
don't share |
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Questions? |
Call 609-578-4400 or go to 1stConstitution.com |
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What We Do |
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How
does 1st Constitution 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. |
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How
does 1st Constitution Bank collect my personal information? |
We collect your
personal information, for example, when you l Open an account l Apply for a loan l Deposit money l Use your credit or debit card l Pay
your bills We also
collect your personal information from others, such as credit bureaus or
other companies. |
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Why can't I
limit all sharing? |
Federal law
gives you the right to limit only l sharing for affiliates' everyday business purposes - information
about your creditworthiness l affiliates from using your information to market to you l 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. |
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Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial
and non-financial companies. l 1st
Constitution Bank has no affiliates. |
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Nonaffiliates |
Companies not related by common ownership or control. They can be
financial and non-financial companies. l 1st Constitution Bank does not share with nonaffiliates so they
can market to you. |
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Joint Marketing |
A formal
agreement between nonaffiliated financial companies that together market
financial products or services to you. l 1st
Constitution Bank doesn't jointly market. |
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Other Important Information |
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For
New Jersey Customers. We
will not share personal information from deposit or share relationships with
nonaffiliates either for them to market to you or for joint marketing -
without your authorization. |
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Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
1st Constitution Bank is participating in the FDIC's Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. The temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing checking account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking account or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and Interest on Lawyer Trust Accounts (IOLTA’s).
Funds that are automatically transferred, or “swept” from a noninterest-bearing transaction account to another account that does not qualify as a noninterest-bearing account will no longer be fully covered under the Transaction Account Guarantee Program (TAGP).
Equal Opportunity Housing Lender
Equal Housing Lenders. 1st Constitution Bank is a member FDIC. © 2000 1st Constitution Bancorp. All Rights Reserved.
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IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
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 to 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 may also ask to see your driver’s license or other identifying documents.