OPEN AN ACCOUNT ONLINE 
Privacy
This notice is intended to describe how we collect, maintain, disclose, and dispose of customer information. This notice may be amended from time to time at our discretion.
| Facts | WHAT DOES R 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 onthe product or service you have with us. This information can include: Social Security number and income Account balances and transaction history Credit history and credit scores When you are no longer a 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. The the selection below, we list the reasons financial companies can share their customers' personal information; the reasons R BANK chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does R 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 burearus | 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 non-affiliates to market to you | Yes | Yes |
To limit our sharing
- Call 1-844-722-6589 and speak with a R Bank customer service representative or
- Visit us online: r.bank/privacy
- Complete the Online Request Form
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 844-722-6589 or go to r.bank/privacy.
What we do
How does R 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 authorize our employees to access consumer information only for legitimate business purposes and to keep information confidential. We require companies that work for us to protect your information.
How does R Bank collect my personal information?
We collect your personal information, for example, when you
- open an account or make deposits or withdrawals from your account
- pay your bills, make a wire transfer or apply for a loan
- use your debit or credit 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 purpose – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates 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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- R Bank has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- R Bank does share with Velocity Solutions, LLC so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- R Bank doesn’t jointly market.
Other important information
R Bank is chartered/licensed registered 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 R Bank should contact the Texas Department of Banking through one of the following means indicated below:
In Person or by U.S. Mail:
Texas Department of Banking Consumer Assistance Activities
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294
Telephone Number: 1.877.276.5554 (toll free)
Fax Number: 512.475.1313
Email: consumer.complaints@dob.texas.gov
Website: https://www.dob.texas.gov/
