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BNB Bank Consumer Privacy Notice

FACTS WHAT DOES BNB 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
  • Overdraft history
  • Account transactions
  • 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 BNB Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does BNB 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		 No We don’t share
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 nonaffiliates to market to you No We don’t share
Questions? Call 201-592-7474 or go to www.bnbbank.com
Who We Are
Who is providing this notice? BNB Bank means BNB Bank National Association.
What We Do
How does BNB 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 BNB 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
  • Show your government-issued ID
  • CShow your driver’s license
We also collect your personal information from 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 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • BNB Bank does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • BNB Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • BNB Bank doesn't jointly market.
Other Important Information
For Massachusetts, Mississippi and 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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 BNB Bank has no branches or other offices located outside of New Jersey, New York City, and Pennsylvania.
We are not affiliated with any similarly named banks located elsewhere. Please review our locations on this website.

CHANGES IN FDIC COVERAGE
On July 21, 2010 - Basic FDIC Insurance Coverage Permanently Increased to $250,000 Per Depositor.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
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.  This 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 transaction account” includes a traditional checking account or demand deposit account on
which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts (“IOLTAs”).
It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW
accounts and money-market deposit accounts.

For more Information about FDIC coverage, Please visit www.fdic.gov.

©2007 BNB Bank, All Rights Reserved   BNB Bank, Member FDIC.  Equal Housing Lender Equal Housing Lender





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