Privacy Notice

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 and income
• Account balances and payment history
• Credit history and credit scores

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 Apple Bank chooses to share; and whether you can 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 our affiliates' everyday business purposes -
information about your transactions and experiences

Yes

No

For joint marketing with other financial companies

Yes

Yes
 

For our affiliates' everyday business purposes -
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes
 

For our non-affiliates to market to you

No

We don't share
 

• Call toll-free (800) 742-9879 - our menu will prompt you through your choice(s), or
• Update Privacy Preference Online

Call (914) 902-2775

Who is providing this notice?

Apple Bank

How does Apple Bank collect my personal information?

We collect your personal information, for example, when you:

• open an account or deposit money
• pay your bills or apply for a loan
• use your  debit card.

We also collect your personal information from others, such as credit bureaus, verification services, 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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account - unless you tell us otherwise.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our only affiliate is ABS Associates of New York, Inc., Apple Bank's wholly owned insurance subsidiary.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Apple Bank does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Apple Bank’s joint marketing partners may include credit card companies, mortgage lenders, banks, licensed lenders and companies that provide checking account enhancement programs and benefits.