This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement and the use of this website are governed by the laws of the State of New Jersey.
Two River Community Bank is committed to providing you with banking products and services to meet your needs. We are equally committed to protecting the privacy of our customers’ financial records consistent with state and federal laws. You can feel confident knowing that your financial privacy is a priority. The purpose of our privacy notice is to explain how we collect, use and safeguard your personal financial information. If you have any questions after reading these policies, please contact us.
Consumer Privacy Statement
Two River Community Bank is committed to protecting the privacy of our online customers and visitors.
What Information We Collect
We may collect "nonpublic personal information" about you from the following sources:
What Information We Disclose
We are permitted by law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We may disclose nonpublic personal information about you to reputable financial services companies we partner with in order to offer you certain financial services, such as investments or insurance. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Internet Privacy Statement
Your privacy on the Internet is very important to Two River Community Bank. Because we gather certain types of information about the visitors to our website, we feel you should fully understand the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather, how we use it, and who has access to it.
What Other Information Is Collected?
At our website, we also request personal information such as name, postal address, email address, telephone and fax numbers, domain names and IP addresses. This information is provided to us strictly on a voluntary basis, such as when a user contacts us for information or wishes to open an account online.
How Is the Information Used?
The information we collect is used to enhance the user's web experience at our site, for internal tracking purposes, and to enable us to contact users who wish to open an account or request more information.
With Whom Is the Information Shared?
We will not disclose, display or make available to third parties any personal information we capture from our website, except as allowable by law. We will not sell your information to third parties. Please refer to our Privacy Notice for more detailed information on our sharing practices.
Protecting Children’s Privacy Online
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Two River Community Bank’s website and online services are not directed to children under the age of 13, nor is information knowingly collected from them. We are not responsible for data collection and use practices of nonaffiliated third parties to which our websites may link. For additional information on COPPA protections, link to the Federal Trade Commission's website at http://www.ftc.gov/. For further information, the Federal Government has created a website, OnGuardOnline.gov, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.
Your Understanding and Cooperation Are Needed
When you open or make a change to your account at Two River Community Bank, you will be asked for your name, address, date of birth, and other identification information. You may also be asked for your driver’s license or other identifying government issued documents. The required verification may be inconvenient, but is a strong deterrent to terrorists and other criminals. Your privacy is a top concern, and we, as your bank, will respect and protect it always, consistent with the law’s requirements.
Two River Community Bank maintains information on social media sites like Facebook, Twitter and LinkedIn. When you post information on Two River Community Bank social media pages it will be subject to the privacy and security conditions of the social media site. When you visit Two River Community Bank managed social media pages, we may collect information about your activities on those pages. The information we review includes whether you visited or commented on a blog or provided a rating.
Advertising and Tracking
Any updates or changes to the policy will be posted on this website with the new revision date which is the effective date of changes. Your continued use of this website constitutes your acceptance of any changes to this policy.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH TWO RIVER COMMUNITY BANK
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.
IMPORTANT INFORMATION REGARDING OPENING A LEGAL ENTITY ACCOUNT
Effective May 11, 2018, all banks are subject to a rule under the Bank Secrecy Act intended to assist the government and law enforcement in the ongoing fight against money laundering and the financing of terrorism. Each time an account is opened on behalf of a business, or covered “legal entity,” we are required to ask you for certain identifying information (name, address, date of birth, and social security number) of the “beneficial owners” of the business. The rule defines a beneficial owner as:
If you are opening an account on behalf of a covered legal entity, you will be required to complete a Beneficial Owner Certification Form.
For additional information regarding this requirement, please contact your local branch or visit https://www.gpo.gov.