Privacy Policy

At New Jersey Community Bank, the basis of each customer relationship is trust. We are obligated to honor that relationship with great care, beginning with the information customers have chosen to share with us. We believe that their privacy should not be compromised. At the same time, we want to offer them the array of financial products and services they need to accomplish their financial goals. We believe we can do both through the privacy policy outlined below.

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities; and while information is critical to providing quality service, we recognize that one of our most important assets is our customers’trust. Thus, the safekeeping of customer information is a priority for New Jersey Community Bank.

At New Jersey Community Bank we collect, retain, and use information about our customers only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to them. We collect and retain information about them, including, but not limited to, credit reports and financial records, only for specific business purposes—and we will tell them why we are collecting and retaining it upon their request. We use information to protect and administer their records, accounts, and funds; to comply with certain laws and regulations to help us design or improve our products and services; and to understand their financial needs so that we can provide them with quality products and superior service.

New Jersey Community Bank has established procedures to ensure that our customer’s financial information is accurate, current, and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

Each New Jersey Community Bank employee is required to follow our Company’s “Code of Ethics,”which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing our customers with the finest service available.

New Jersey Community Bank is committed to the security of our customers’financial and personal information. All of our operational and data processing systems are in a secure environment that protects their account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

When it comes to sharing customer information with unaffiliated companies, New Jersey Community Bank places strict limits on who receives specific information about customer accounts or other personal data. New Jersey Community Bank may share information with such companies as permitted by law.

We may also share information with unaffiliated companies when: they assist us in providing our products and services to our customers; in the normal course of our business (for example, with consumer reporting agencies and government agencies); it is legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of a customer.

When we conduct business with third parties, we require our vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

All information, including “cookies” and similar files, supplied by you in order to effect transactions in your accounts at our Bank, via this website, and unless otherwise required by law, any communication or information that you transmit to us via this website, including electronic mail, is protected and will be used in a manner consistent with our Internet Privacy Policy.

At New Jersey Community Bank, we value our customer relationships. We want them to understand how we use the information they provide and our commitment to ensuring their personal privacy. If customers have any questions about how New Jersey Community Bank protects your confidential information, they are informed to call their local branch or contact us using the e-mail reply function located on our Web page.

FACTS WHAT DOES NEW JERSEY COMMUNITY BANK DO WITH YOUR PERSONAL INFORMATION?
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 account transactions
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

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
New Jersey Community Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does New Jersey Community Bank Union 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 to report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
No No
For our affiliates’ everyday business purposes –
information about your creditworthiness
No No
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call 732-431-2265 or go to www.njcbk.com
What we do
How does NEW JERSEY COMMUNITY BANK protect my personal 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.
We require frequent changes to passwords and limit access to sensitive information to those who have a need to access it.
How does NEW JERSEY COMMUNITY 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 credit or debit card

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 law and individual companies may give you additional rights to limit sharing.

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

  • NEW JERSEY COMMUNITY BANK has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include credit bureaus, data processing companies, ATM and debit card service networks, insurance companies, ACH participants accessing your accounts for debit or credit purposes such as mortgage companies, insurance companies, direct marketing companies and nonprofit organizations.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • NEW JERSEY COMMUNITY BANK doesn’t jointly market.
Other important information

Download the NJCB Privacy Notice in PDF format

Get Adobe Acrobat Reader DC