How Extraco Protects You
For purposes of this Digital Privacy Disclosure, “you” and “your” means a user accessing any of Extraco Banks’ digital services, including the extracobanks.com website, Extraco Online Banking (eBank), Extraco Mobile App (Extraco eBank app), and Extraco branded social media pages. “Extraco”, “Extraco Bank”, “we”, “us”, “bank” or “our” means Extraco Banks.
Your privacy is important to us. This Digital Privacy Disclosure describes our practices for collecting, sharing, using, maintaining and protecting information when you visit or use our digital services.
Extraco Banks’ digital services are intended for use by consumers solely within the United States.
Our digital services are not intended for children under 13. Extraco Banks does not knowingly collect personal information from children under 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: http://www.ftc.gov.
This Digital Privacy Disclosure is effective as of July 2018 and may be updated from time to time without prior notice. Each time you access or use any of Extraco’s digital services, you are consenting to the Digital Privacy Disclosure then in effect.
Use of Information
We may use the collected information for the following:
- Improve the user experience on our digital services
- Verify your identity and device when logging into our digital services
- Prevent or help detect fraud on your accounts
- Communicate or respond to requests from you
- Comply with laws, regulations, subpoenas and similar processes
- Disclose to any law enforcement agency, as Extraco deems appropriate
If you have a financial product or account with us, please review our Privacy Policy for details on how we use and share any information that we collect about you.
Collection of Information
Financial Products and Accounts (E.g.: deposit accounts, loans, financial services)
When you open an account with Extraco Banks, we collect information about you as required or permitted by U.S. federal law. To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: when you open an account, we will ask for your name, address, date of birth, social security number, information provided on your driver’s license and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Extraco Online Banking and Extraco Mobile App
The information we may collect when you visit or use Extraco’s Online Banking or Extraco Financial Services platform may include the following personally identifiable information (based on your use):
- First and last name
- Home or other physical address, including street name and name of city or town
- Email address
- Telephone number(s)
- Geographic location
- Internet Protocol (IP) address
- Operating system and version
- Browser and version
- Network provider
- Desktop, tablet or mobile device
- Login ID and password (for logging into online services)
- Data and attributes regarding the device used for fraud alert and detection purposes
- Account details and other information to process transactions as requested
- Asset information (Trust platform only)
When you use the Extraco Mobile App, we may collect the personally identifiable information noted above and the following information:
- The mobile or tablet device’s configuration for fraud and detection purposes
With the Extraco Mobile App, we do not monitor or collect the following:
- Any information on any data on the phone (SMS messages, photos, etc.)
- Any personally identifiable information
Extraco does not process any information about the phone.
extracobanks.com website
The Extraco Banks website collects and stores a number of information data points to help us improve our website experience for our users. The information collected may include the following:
- Geographic location
- Internet Protocol (IP) address
- Operating system and version
- Browser and version
- Network provider
- Desktop, tablet or mobile device
- History of pages visited
Extraco Branded Social Media Sites
Extraco Banks uses a number of social media sites to communicate with our customers. The social media sites, which are third-party sites (i.e. Facebook, Twitter, LinkedIn, etc.), have their own privacy policies and privacy setting capabilities that govern their sites. These sites may allow Extraco Banks to have access to information about you if you have opted to follow, like, or connect with the Extraco Banks page. The data provided from the social media sites may vary and may consist of one or more of the following data points:
- Username
- First name
- Last name
- Geographic location
- Employment information
- Contact information (phone number, email addresses)
- Photos
- Posts, tweets, or other published information
- Other information you make available
Third Party Relationships
Extraco may share information you enter through our digital services with third-party service providers with whom we have a business relationship to provide services and process your requests.
Cookies
The Extraco Banks website and other Extraco online platforms use cookies to provide an enhanced customer experience when you use our website and online platforms. Cookies contain data about your Internet usage and are stored directly on your computer. Our cookies are used to remember your Login ID, detect Transport Layer Security (TLS) settings on your browser, identify a trusted device or computer and to determine areas of interest for marketing and advertising purposes. The cookies from our website will stay on your computer until you clear or delete the cookies. You can choose to adjust your browser settings to block or delete cookies, but this could degrade your online experience by requiring you to enter your Login ID and password each time you login and requiring a secondary authentication with a Secure Access Code (SAC). You can delete cookies on your computer by following the instructions for your browser.
Advertising & Information Sharing
Extraco Banks does not allow unaffiliated third parties to collect personal information about your online activities when you visit our online services. Nor do we use personal information collected across non-affiliated websites for the purpose of serving you advertising related to your browsing behavior. If we engage in this practice in the future, we will provide appropriate notice and choice so that you can opt-out of the practice.
Google Analytics
Extraco uses a tool called Google Analytics to collect statistical and website usage information for the extracobanks.com website. Google Analytics uses cookies to collect this information. Extraco Banks uses the following Google Analytic feature: Google Analytics Demographics and Interest Reporting. If you do not want Google Analytics to collect information about your website use, you can opt-out by visiting https://tools.google.com/dlpage/gaoptout and following the instructions.
Do Not Track
Our website uses cookies, some of which are utilized to provide targeted advertising. However, as a matter of our own policy, our systems do not place advertising cookies on, or track, browsers and systems that utilize Do Not Track (DNT) signals.
Linking to Third-Party Websites
Extraco Banks may provide links to websites owned or operated by third parties. Extraco is not responsible for the external content of such third parties. When you use a link to visit a third-party website, you will be subject to that website’s privacy and security practices.
Extraco Banks has a presence on social media through our Extraco Banks branded social media pages. These social media sites have their own privacy and security practices.
European Union (EU) Data Subject Rights
The EU’s General Data Protection Regulation (GDPR) provides certain rights to EU residents. This Digital Privacy Disclosure is intended to provide you with information on what data Extraco collects and how it is used.
In response to requests that fall under GDPR for EU residents we will conform to the requirements of GDPR. Please contact us with the information provided below. For all requests from U.S. residents, please see our Fee Schedule for research request fees.
Security of Your information
Extraco Banks complies with all applicable federal and state laws and regulations regarding security of customer data.
Questions, Concerns or Complaints
Please contact Extraco’s Compliance department:
Extraco Banks
Compliance Department
1700 N Valley Mills Dr.
Waco, TX 76710