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Metropolitan Bank
and Trust Company -
New York
10 East 53rd Street,
New York, NY 10022
Telephone:
(212) 832-0855
(212) 832-0951
Facsimile:
(212) 832-0993
(212) 223-0916
Toll Free:
(800) 863-8762
(Outside NY, NJ & CT)
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Metrobank’s Commitment to Safeguarding Consumer Privacy
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Metropolitan Bank and Trust Company, New York Branch is proud to be a part of a financial services organization that has been providing superior products and services to its customers for more than thirty years. We greatly appreciate the trust that you and thousands of Metrobank customers have placed in us, and we will protect that trust by continuing to respect the privacy of all our applicants and customers even if our formal customer relationship ends.
Information We Collect
It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, Metrobank collects non-public personal information (such as your name, address and social security number) and credit information (like information related to your accounts with us). This information comes either directly from you, for instance, from your application and transactions on your account; or, it may come from an outside source such as your credit bureau report.
We Respect Your Privacy
Since some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access, and we would never share the information in violation of any regulation or law.
Because Metrobank respects your privacy and values your trust, the only employees or companies who can access your private personal information are those who use it to service your account or provide services to you or to us. Metrobank diligently maintains physical, electronic and procedural safeguards that comply with applicable federal standards to guard your private personal information and to assist us in preventing unauthorized access to that information.
We Share Information with Metrobank Affiliates*
From time to time, for general business purposes such as fraud control, or when we think it may benefit you, we do share certain information with companies within the Metrobank Group. These companies all provide financial services such as loans, deposits and remittances. The information we share might come from your application, for instance your name, address and telephone number. Also, the information we share could include your credit bureau reports, your transactions with us or other Metrobank companies, your internet usage, your account balance, or payment history.
How to Opt-Out (Metrobank Affiliates)
If you do not want us to share your credit information (such as your credit bureau information) with Metrobank affiliates, please let us know by simply calling us at (800) 863-8762 (for residents outside the Tri-State area) or (212) 832-0855 Ext. 222 (please have your account number available). We will be happy to comply with your “opt-out” request. You may also opt-out by accomplishing the attached form and returning it to us. This request will not apply to information about your transactions or experience with Metrobank (such as account information, account usage, or payment history) and will only apply to the private label accounts you have with Metrobank, New York. An opt-out request by any party on a joint account will apply to all parties on the joint account.
Sharing Of Information with Our Partners
We also occasionally share certain information with companies that we work with outside of the Metrobank family. This information might include name, address and phone number.
Sharing Information with Other Third Parties
We also may share information with other companies outside the Metrobank family that are able to extend special offers we feel might of value to you. These companies may be financial service providers (such as insurance agents) or they may be non-financial companies (such as retailers or direct marketers). These offers are typically for products and services that you might not otherwise hear about. The information we may provide them comes from the sources described above and might include your name, address, and phone number.
How to Opt-Out (Non-Metrobank Companies)
If you do not want us to share your private information with non-Metrobank companies, please let us know by simply calling us at (800) 863-8762 (for residents outside the Tri-State area) or (212) 832-0855 (please have your account number available). We will be happy to comply with your “opt-out” request. You may also opt-out by accomplishing the attached form and returning it to us. This request may apply to all private label accounts you have with Metrobank, New York. Any opt-out request for non-Metrobank companies will not be effective before July 1, 2003. An Opt-out request by any party on a joint account will apply to all parties on the joint account. Opt-out request will not apply to any information sharing that is permitted by law. Please allow sufficient time for us to process your request.
Sharing Information with Exempt Third Parties
We are permitted under law to share financial information with non-affiliated third parties in certain other circumstances (such as debt collectors and, as necessary, to respond to legal subpoenas and other legal processes).
Online Services and E-Mail Offers
In the future, when our online services become available and you visit our Internet Website, we may collect certain information about your Internet usage. If you register for Metrobank-related online products or services, we may retain your user ID and password information about your use of our Website so that we can recognize you as a registered user of a Metrobank online service, personalize your online experience, and deliver the home page choices you have selected when you re-enter our Website. We may obtain your e-mail address from you or from another source. We may send you e-mail offers for products and services of Metrobank, its affiliates or other companies we work with. We do not share e-mail addresses with other companies for them to market their own products and services directly to you.
How to Opt-Out (On-Line Services and E-Mail Offers)
If you prefer not to receive e-mail offers, you may opt-out by going to the “Set E-Mail Preferences” page of our Customer Internet Privacy Statement at www.metrobkny.com and entering your preferences. All e-mail offers we send to you also include additional opportunity to opt-out. If you opt-out from receiving these e-mail offers, we may still send (via e-mail or other delivery method) important information about your account and related Metrobank online and offline products and services to you.
*THE METROBANK FAMILY
This Consumer Privacy Policy is provided on behalf of the Metrobank Family of companies that offer consumer-related financial services. This include Asia Money Link Corporation located in Flushing, New York (providing money remittance services) and International Bank of California (IBC) with main offices in Los Angeles and several branches in major cities of California (providing a full range of banking products).
Please cut the Opt-Out Form and mail it back to us using the enclosed stamped envelope within thirty (30) days from date of receipt.
OPT-OUT FORM UNDER THE PRIVACY LAW
Indicating your choices, you may opt-out as described in this notice. If you have already informed us of your preferences, you do not need to respond unless you wish to change your selections.
Offers for Metrobank Products and Services
[ ] Please exclude me from mailings of offers for products and services
If you opt-out, you may not receive offers from Metrobank of products and services that may be of value to you.
Offers for Products and Services of Other Companies
[ ] Please do not share information to send offers to me from other companies.
If you opt-out, you may not receive offers that may be of value to you from other companies that deal with Metrobank.
Credit Information Provided to Metrobank Affiliates
[ ] Please do not share credit-related information about me (except as described in this Notice) with Metrobank affiliates.
Telephone Offers
[ ] Please do not contact me by telephone to notify me about offers for Metrobank products and services.
Please Complete:
_______________________________________________
Account Number(s) (You need to enter all your account numbers if you maintain multiple accounts. Your opt-out choices apply to accounts on which you are the primary account holder or co-owner).
_______________________________________________
Account Name (please print)
_______________________________________
Street Address
City State Zip
METROBANK ONLINE SERVICES
PRIVACY STATEMENT
Privacy
Your privacy is important to us. We are here to provide superior financial services to you. We collect and use information about you when you establish an account or request banking services to help us better understand what you want in financial services and the best way to offer our services to you.
Limiting Access
We limit access to information about you, so that only employees with a business reason may access financial data. We educate our employees about the importance of confidentiality and privacy.
Maintaining Security
We maintain strict security standards and procedures to prevent unauthorized access to information about you. We use leading technologies such as data encryption, firewalls, and server authentication to protect the security of your data.
Restricting Disclosures
We exchange information about customers with reputable information reporting agencies (such as credit bureaus) so that we can verify the existence and condition of customers’ accounts, and with others who may receive information from us under certain circumstances, but only as lawfully permitted or required.
Assuring Accuracy
We have established procedures to maintain the accuracy of financial information. If you have any questions regarding privacy issues, email us, visit this Branch or call 1-800-863-8762 (for residents outside the Tri-State area) or at (212) 832-0855 for more information.
INTERNET BANKING
SECURITY STATEMENT
Metrobank’s Role in Security
We maintain strict security standards and procedures to prevent unauthorized access to information about you. We use leading technologies such as data encryption, firewalls, server authentication, and digital certificates to protect the security of your data. We also require the use of 128-bit encryption browsers or a browser that supports Server Gated Cryptography (SGC). SGC allows a browser using 40-bit encryption to function as if it has a128-bit encryption for the duration of the session.
Browser Requirement
Browsers (such as Netscape or Internet Explorer) using 128-bit encryption (or supporting Server Gated Cryptography) provide the highest level of commercially available security for your financial transactions. Encryption transforms the banking transactions you send over the Internet into code that can be translated by Metrobank.
Digital Certificate
A Digital Certificate is a randomly generated set of characters that our computer sends to your browser. The browser on your computer stores this information and uses it to verify that the Internet address is actually Metrobank, New York and not someone masquerading as the bank. It can be used in the same way a passport or driver’s license is used as a means to establish identity.
Your Role in Security
You have a significant role to play in security!
There are two pieces of important information that you must keep confidential – your Customer ID and your password. These are the keys to your access into Metrobank New York Branch’s Internet Banking.
Your Customer ID
To make access to your Metrobank NY account/s easy and secure, we want you to choose your own Customer
ID. Your ID can be 5 to 20 characters in length and should be something you can easily remember but not easily guessed by someone else. If you wish to use your name or something equally familiar, our suggestion is to mix numbers with the letters to provide additional complexity.
Your Password
Your password is as important as your Customer ID. Follow these tips when creating your own unique password:- Select a password that cannot be easily guessed by someone else.
- Do not associate your password with anything personal such as names, birth dates, phone numbers, or other familiar words.
- Create a password 6 to 8 characters longer (longer passwords are more secure) containing a combination of both letters and numbers.
- Memorize your password and never write it down or reveal it to anyone. Remember: No one at Metrobank NY will ever ask you for your password!
- Change your password on a regular basis – at least every 30 days.
Always remember to exit and close the browser window when you completed your banking.
If you suspect any unusual activity in your account, email or contact us at the telephone number given below, attention of our Manager or Compliance Officer.
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