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Privacy Policies


Financial Institutions choose how they share your personal information. Federal law gives customers the right to limit some but not all sharing of their personal information and also requires us to inform you how we choose to collect, share, and protect your personal information. Please read this notice carefully to understand our policy.

The aspects of your privacy we collect and share depend on the products or services you are enrolled in. This information may include:

  • Social Security Number
  • Account Statement
  • Payment History
  • Assets
  • Account Transactions
  • Checking Account Information
We may continue to share your information as described in this notice even when you are no longer a customer of ours.

How does Xpress 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, secured files and secured client to server transmissions. We also maintain other physical, electronic and procedural security measures to protect your information and limit access to those information to appropriate employees.

How does Xpress collect my personal information?

Your personal information are collected when you;
  • Apply for a loan
  • Give us your contact information
  • Show your means of identification
  • From others, such as credit bureaus, affiliates, or other institutions.

Can I limit all sharing?

Federal law gives you the right to limit only;
  • Sharing for affiliates' everyday business purposes
  • Affiliates from using your information
  • Sharing for non-affiliates.

What role do i have to play to secure my personal information?

  • Secure your Account Info

    • Review your account statements regularly. Report any suspicious activity and unauthorized transactions immediately. Sites such as BillGuard will alert you when your credit and debit card bills contain bad charges reported by others.
    • Consider requesting electronic statements, but only if the company can send them to you securely or make them available from your account.
    • Lock away your Social Security Card, bank login details and account numbers.
    • Take care of checks, making sure to account for all new ones when you receive them, and store new and cancelled checks in a secure place. Don't include your driver's license and Social Security Numbers on pre-printed checks. If your checkbook is lost or stolen, contact your bank right away to stop possible payments.
    • Beware of Phishing and Spam mails.

  • Secure Your Mobile Phone

    • Install security softwares on your phone and keep it up-to-date.
    • Check to make sure the security softwares you're using have features that let you:
      • Detect and eliminate mobile threats before they can infect your phone
      • Remotely wipe data and erase sensitive information on your phone if it's lost or stolen
      • Track your phone's location.

  • Secure your computer

    • Set your computer's operating system to receive automatic updates if possible; if not, download and install updates regularly.
    • Make sure you're using the most recent version of your Internet browser; previous versions can have security weaknesses that makes you vulnerable.
    • Use Internet browsers that support advanced security features such as phishing site detection, and support for extended security certificates.
    • Use anti-virus and anti-spyware softwares and set them to update automatically as well.

All financial institutions need to share the personal information of their customers to run their everyday business. In the section below, we list the reasons that make financial institutions share those information; and whether or not it can be limited.

Why we may share your personal information Does Xpress share? Sharing limit?
For our everyday business purposes such as processing of transactions, maintenance of account(s), responding to court orders and legal investigations, or reporting to credit bureaus Yes No
For marketing purposes Yes No
For joint marketing with other financial institutions Yes No
For the everyday business purposes of our affiliates No Limited