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FACTS WHAT DOES CRESCOM BANK DBA CAROLINA TRUST 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
  • Account Balances
  • Payment History
  • Transaction or loss history
  • Account Transfers
  • Checking account information
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 Carolina Trust Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does CresCom 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 Yes No
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 our affiliates to market to you No We don't share
For non-affiliates to market to you No We don't share
Questions? Call 1-855-CRESCOM (273-7266) or go to www.haveanicebank.com
What we do
How does CresCom 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does CresCom Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawls from your account
  • Give us your contact information
  • Make a wire transfer

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 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.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include a mortgage company, a leasing company, a title insurance company, and an insurance company.
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • CresCom Bank does not share with non-affiliates 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.

  • Our joint marketing partners include Elan Financial Services and financial service companies offering reward products.

01/01/2020