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Justin State Bank
Treasury Solutions SmartPay Business

Privacy Policy

Rev. Date 05/2019

FACTS What Does Vista 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 employment information
  • Income and account balances
  • 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 Vista Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Vista Bank 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 No We don't Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We don't share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 877-888-4782 or go to vistabank.com
Who we are
Who is providing this notice? Vista Bank
What We Do
How does Vista Bank 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. 

In addition, we use a fraud prevention service to protect ATM/Debit cards issued by Vista Bank
How does Vista Bank collect my information? We collect your personal information, for example, when you
  • Apply for a loan or give us your income information
  • Make deposits or withdrawals from your accounts
  • Open an account or provide employment information
In addition, we use a fraud prevention service to protect ATM/Debit cards issued by Vista Bank
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. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • Vista Bank does not share with our affiliates
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Vista 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.
  • Vista Bank does not jointly market.
Other Important Information
Special Notice for Texas Residents

HOW TO FILE A COMPLAINT. Vista Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Vista Bank should contact the Texas Department of Bank through one of the means indicated below:

Texas Department of Banking
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294;
Telephone No. (877) 276-5554
Fax No. (512) 475-1313