Privacy Notice

We believe that each customer relationship at Third Coast Bank SSB is built on trust. We are committed to guarding that relationship with great care, beginning with the information you share with us. The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.

What Does Third Coast Bank SSB Do With Your Personal Information?

Rev. Date 02/2023

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
  • Payment history
  • Transaction or loss history
  • Credit history
  • Overdraft history
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 Third Coast Bank SSB chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Third Coast Bank SSB 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 Yes No
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you Yes Yes
To Limit Our Sharing
  • Call 833-844-7708 - our menu will prompt you through your choice(s), or
  • Mail us notice to Attn: OPTOUT - PO Box 3871 Humble, TX 77347
  • Online through our Privacy Act Opt Out form, click here
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.  When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?  Call 833-844-7708                                                                                                                      

Who We Are
Who is providing this notice? Third Coast Bank SSB                                                                                
What We Do
How does Third Coast Bank SSB protect my 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.
How does Third Coast Bank SSB collect my information? We collect your personal information, for example, when you
  • Open an account 
  • Deposit money
  • Use your credit or debit card
  • Make a wire transfer
  • 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 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.   Our Affiliates include:
  • Financial companies such as: Third Coast Commercial* Capital
*Inadvertently shown as 'Third Coast Capital' on the paper version of Privacy notice.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. 
  • Nonaffiliates we share with can include mortgage companies, insurance companies, direct marketing companies, and nonprofit organizations only for marketing financial products or services to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. 
  • Our joint marketing partners include credit card companies, insurance companies and financial services companies.
Other Important Information
For Texas Customers. The Third Coast Bank SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against the Third Coast Bank SSB should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated below.
Telephone communications.  All telephone communications with us may be monitored or recorded.

Consumer Complaint Notice

Do Not Send Original Documents
Please include your name, address, email and whom you are complaining against with any documentation that is submitted (in person, by U.S. Mail or fax), as part of your complaint.

Texas Department of Savings and Mortgage Lending
  2601 North Lamar Boulevard, Suite 201
  Austin, TX 78705-4294
  Telephone Number: (877) 276-5550
  Fax Number: (512) 936-2003
  Via electronic submission on the Department's website by clicking the button below:

FDIC Insurance

The Dodd-Frank Wall Street Reform and Consumer Protection Act signed on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

Consumers and bankers can find additional information regarding FDIC's deposit insurance coverage through the use of the FDIC's Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC's website "Are My Deposits Insured?" Click button to visit website: FDIC: Understanding Deposit Insurance
In addition, they can call the FDIC at 1-877-ASK-FDIC (1-877-275-3342).




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