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Privacy Policy

NCB, FSB (NCB) is committed to providing the highest level of security and privacy regarding the collection and use of our customers' and other website users' personal information.

NCB recognizes its customers’ right to expect that their personal financial information will remain private and secure. The Bank will maintain standards to ensure this security at all times.

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to our customers.

NCB has established procedures to ensure that its customers’ financial information is accurate, current and complete, in keeping with reasonable commercial standards. NCB also pledges to respond to requests to correct inaccurate information in a timely manner.

You can visit this site and learn about the NCUF and NCB partnership, and review CIF funds, programs and products, without giving us any personal information about yourself. For purposes of determining "hit counts," our server will track your IP address and the pages you access. We also may collect other non-personally identifiable information when you visit our website such as the type of browser you are using (e.g., Internet Explorer), the type of operating system you are using, (e.g., Windows '98) and the domain name of your Internet service provider (e.g., America Online).

In order to identify you, we will occasionally use "cookies." A cookie is a special text file that a web site puts on your hard disk so that it can remember something about you later. Typically, a cookie records your preferences when using a particular site. You can set up your browser to inform you when cookies are set or to prevent cookies from being set, but users must agree to let cookies be saved for them to function. A web site other than the one that set the cookie cannot read the cookie. We use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only through a single session, or visit.

In order to access secure areas, you must provide personal information, such as address, e-mail, telephone and fax numbers, as well as demographic and customer identification. We will maintain this information, as well as your business activities and transactions, according to our usual strict security and confidentiality standards.

A. Non-Public Personal Information Collection

Information about consumers is accumulated from a variety of sources. Some information is provided to NCB, FSB directly by customers themselves. Other data is developed by NCB, FSB as a function of providing a product or service to a customer. Still other information is obtained from outside sources.

Non-public, personal information may be collected from the following sources: 

  1. Information the Bank receives from applications or other forms, such as names, addresses, social security numbers, assets and income
  2. Information about transactions with the Bank, its affiliates or others, such as account balances, payment histories, parties to transactions and credit card usage
  3. Information the Bank receives from a consumer reporting agency, such as creditworthiness and credit history

B. Non-Public Personal Information Disclosure

We may share non-public personal information about our customers or former customers on a limited basis with certain parties in the manner set forth below, in accordance with and to the extent permitted by applicable law.

1. Disclosure as Permitted by Law 

We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

It is NCB's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matter, unless 

  • The information is provided to help complete a customer-initiated transaction;
  • The customer requests or permits the disclosure;
  • The disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, demand by regulatory authorities, etc.); or,
  • The customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e., “opt out”).

When we do provide customer information to an unaffiliated third party, the Bank will require – through a written agreement – that the third party adhere to privacy principles similar to those to which NCB adheres for keeping this information confidential. 

2. Confidentiality and Security:

We restrict access to non-public personal information about our customers to those employees who need to know that information to provide products or services. We maintain physical, electronic, and procedural safeguards for the purpose of securing non-public personal information.

NCB also educates all employees about the importance of confidentiality and customer privacy.

For your protection, we use SSL with 128-bit encryption, and we have obtained a valid and current certificate from a recognized Certification Authority. For more information on our online banking security measures, click here.