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Your Privacy is important to Us

If you have any questions, please contact Bandera Bank.

When you do business with Bandera Bank, you provide important information about yourself.  You’re asked to provide us with certain personal information that helps us to give you better service and complete your transactions more efficiently.

It is very important that we safeguard the information you give us.  We have developed policies to ensure your records remain confidential.  These policies detail the strict standards we have in place.

Notice of Your Financial Privacy Rights

This is our privacy notice for our customers.  All of our consumer customers who have a continuing relationship with us, such as:

  • Deposit account
  • Loan account
  • Safe deposit box
  • Home mortgage
  • Certificate of deposit

Privacy

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information We Collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms.
  • Information about your transactions with us.
  • Information about your transactions with our affiliates.
  • Information about your transactions with nonaffiliated third parties.
  • Information from a consumer reporting agency.

The Information We Disclose About You

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

Parties to Whom We Disclose Information

We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Disclosures to Service Providers & Joint Marketers

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement as permitted by law.

Confidentiality of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information & Former Customers

We do not disclose nonpublic personal information about former customers, except as permitted by law.

Bandera Bank has engaged technology experts to ensure that it has state of the art technology to protect your information and transactions, keeping them private and secure as you us the institution's Internet banking system. Through the institution's Internet banking system, you may conduct banking transactions, and communicate with the institution. Accounts cannot be accessed unless you enter your secure user ID and password. All Internet banking system sessions will automatically log off after 15 minutes of inactivity. Access to the Internet banking system can only be from a browser that supports 128-bit encryption or higher, for your protection. You may further assist in keeping your information confidential by protecting your user ID and password and by signing off from the Internet banking systems immediately after each use. To provide better security, Bandera Bank may use cookies as part of its Internet connection with you. "Cookies" are small text files placed on your hard drive by some web servers and can only be read by the server that sent the cookie. Cookies cannot be used to access information on the hard drive or activities on other web sessions. The institution's web server creates a cookie to facilitate Internet banking activity for each session. The cookie stores certain customer information while the session is in process; however, the institution does not collect information through the use of cookies. As soon as the session is ended, the cookies are automatically removed and does not remain on your computer.