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Privacy Policy

Effective: June 1, 2017

FACTS WHAT DOES THE WESTCHESTER 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
  • Account Balances
  • Transaction History
  • Overdraft History
  • Checking Account Information
  • Wire Transfer Instructions
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 The Westchester Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does The Westchester 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
Yes No
For our marketing purposes -
to offer our 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’ everyday business purposes -
information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For non-affiliates to market to you No We don't share

Questions? Call - 914.368.9919 – or visit our website www.twbusa.com
We will gladly mail you a copy of this notice within ten (10) days of receiving your request.

What we do
How does The Westchester 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does The Westchester Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Provide employment information
  • Give us your contact information
  • Give us your wage statements
  • Show your driver’s license
We also collect your personal information from others, such as credit bureaus, affiliates, 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • The Westchester Bank does not share with its affiliates
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • The Westchester bank does not share your personal information with non-affiliates for marketing purposes
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • The Westchester Bank does not have any joint marketing agreements

Other important information
For Alaska, Illinois, Maryland and North Dakota Customers - We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers
– We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.  We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers
- We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing – without your authorization.
For Vermont Customers - We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization and we will not share personal information with affiliates about your creditworthiness without your authorization.

 

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From Left to Right: Frank Weber, John Tolomer

"When it was time to expand, The Westchester Bank was there for us. I have complete trust the Bank will deliver the  best solutions for a company on the move like us!"

Frank Weber, CEO Collins Brothers Moving Corp.

John Tolomer, President & CEO, The Westchester Bank