At City National Bank of New Jersey, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with City National Bank of New Jersey, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and on-line services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.
What You Should Know
Our obligation to keep information about you secure and confidential is important. We do not sell or share customer information with marketers or vendors that do not have a relationship with us. We limit access to customer information to servicers and providers employed by us. They need access to that information in order to assist us in maintaining those products and services we provide to you.
How We Gather Information
We obtain information about you from the following sources:
• Information we receive from you may be gathered from our deposit account or loan applications or other forms or information you provide to us or by telephone, electronic or other means.
• Information we receive from a consumer reporting agency such as your credit history or creditworthiness.
Information We May Share
We may disclose information about you to certain non affiliated third parties that the bank contracts with for the express purposes of advertising, marketing and processing its services and products. We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law. From time to time we may be obligated to share information, as stipulated by law, with various government agencies when a subpoena is received or when certain criminal actions require reporting. We may disclose the following kinds of customer information about you:
• Information we receive from you on applications or other forms such as name, address, social security number, assets and income.
• Information about your transactions with us or others, such as account balances, payment histories, credit card usage, etc., and
• Information we receive from a consumer credit reporting agency such as creditworthiness and credit histories.
Categories Of Non Affiliated Third Parties To Whom The Institution Discloses
We may disclose customer information about you to the following types of third parties that work for us such as our own subsidiaries and other companies that may include financial service providers such as insurance companies, security brokers, payment processing companies, check printers and data processing companies. We may share customer information with companies that are employed by us to provide demographic, marketing or statistical information. All of these companies act on our behalf and are contractually obligated to keep the information that we provide to them confidential. We may also disclose information to credit companies, other financial institutions who provide loan servicing, and for audit purposes to the bank’s external auditors. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
Internet Banking And Bill Paying
City National Bank of New Jersey uses Certegy to host and maintain our Internet web site. Certegy’s Internet Banking product is ICSA Certified. This certification involves an extensive ICSA onsite and external security audit including ongoing external “intrusion testing”. For more information please visit http://www.icsa.net on the Web. Certegy uses the Secure Socet Layer (SSL) protocol, based on RSA encryption methods, to ensure that data passing through the Internet is kept secure. This includes support for "strong" or 128 bit key encryption. Encryption protects data from being monitored while it is being transmitted. Additional facts on RSA encryption can be found at http://www.rsa.com/about/. Certegy's firewall protects our servers against unauthorized access from the Internet. All access from outside Certegy goes through the firewall. Certegy uses Eagle NT, an industry award winning and ICSA Certified firewall from Raptor, Inc. Certegy obtains a Digital ID (also known as a Digital Certificate) from a Certificate Authority. Our Certificate Authority is VeriSign, Inc. Certegy does not "outsource" the hosting of Internet Banking. The bank's data is running on Certegy servers, monitored by Certegy personnel, located in Certegy facilities. The bank's personnel cannot see the private PIN that has been set by the customer. (As published by Certegy, Inc.)
Confidentiality And Security
We restrict access to non public, personal information about you to those employees and associates who need to know that information to provide products or services to you. We maintain physical, electronic and internal policy safeguards that comply with federal regulations to guard your personal information. This policy is provided to you as required by federal law under 15 USC 6801-6810. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call or write to
City National Bank of New Jersey at:
900 Broad Street
Newark, NJ 07102
Telephone Number 973-624-0865 Extension 621 |
