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Central Bank is Dedicated to Protecting Your Privacy

In conforming with COPPA laws, Central Bank will not knowingly collect or use personal information from children under 13. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link.

Patriot Act
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information that identifies each person (individuals and businesses) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying documents.

Central Bank Privacy Notice

Revised October 2023

What Does Central Bank Do with Your Personal Information?

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 and account assets. Please read this notice carefully to understand what we do.

Central Bank will keep requisite account, contact and personal information on file throughout the duration of our business relationship, or for a length of time as required for compliance with state or federal law. 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
  • Income
  • Account Balances
  • Payment History
  • Credit History/Credit Scores
  • Transaction History
  • Check Images

All financial companies need to share customers’ personal information to run their everyday business. Here is a quick overview of the reasons financial companies can share customers’ personal information, the reasons Central Bank chooses to share — and whether you can limit this sharing.

Reasons Central Bank Can Share Personal Info

Do We Share?

Can You Limit?

For 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



For marketing purposes, to offer products and services to you



For joint marketing with other financial companies



For our affiliates’ everyday business purposes: Information about your transactions and experiences



For our affiliates’ everyday business purposes: Information about your creditworthiness



For (non)/affiliates to market to you



Call 832.485.2300 for more information.



What We Do

How Does Central 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.

How Does Central Bank Collect My Personal Information?
We collect your personal information, for example, when you:

  • Open an Account or Deposit/Withdrawal from Your Account
  • Pay Your Bills or Apply for a Loan
  • Make a Wire Transfer
  • Use Your Credit or Debit Card
  • Give Us Your Contact Information

We also collect your personal information from others, such as credit card bureaus, affiliates and similar 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. See below for more on your rights under state law.


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

  • Advantage Business Capital

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

  • Central Bank does not share with non-affiliates so they can market to you.

Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • TCM – Total Card Management, only if you apply for a credit card with the Central Bank logo.

Other Important Information

Consumer Complaint Process
Central Bank is chartered 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 Central Bank should contact the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294
Toll-Free: 877.267.5554
Fax: 512.475.1313

Reporting Incorrect Information

If you believe any information we have about you or your relationship is incorrect, please notify us at once. Central Bank will take prompt action in making the appropriate corrections. You may contact us by phone at 832.485.2300, or by mail at:

Central Bank
P.O. Box 801263
Houston, Texas 77280-1263


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Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your Social Security number, account number, PIN numbers, date of birth, etc.


Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of FIS 2020.