FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Central Bank is Dedicated to Protecting Your Privacy
COPPA
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 August 2026
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.
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 and Income
Account Balances and Payment History
Credit History and Credit Scores
When you are no longer our customer, we continue to share your information as described in this notice.
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 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 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 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 |
Yes |
No |
For our affiliates’ everyday business purposes: Information about your creditworthiness |
No |
We don't share |
For (non)/affiliates to market to you |
No |
We don't share |
Questions?
Call 832.485.2300 for more information or go to www.cbhou.com.
Who We Are
Who is providing this notice?
Central Bank
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 Money
Pay Your Bills or Apply for a Loan
Use Your Credit or Debit Card
We also collect your personal information from others, such as credit 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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include financial companies, such as Advantage Business Capital
Non-financial companies, such as Central Bank does not share with non affiliates so they can market to you.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Central Bank does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partner(s) include TCM – Total Card Management, only if you apply for a credit card with the Central Bank logo.
Other Important Information
Special Notice for Texas Residents - HOW TO FILE A COMPLAINT
Central 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 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:
IN PERSON OR U.S. MAIL:
Texas Department of Banking
Consumer Assistance Activities
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
BY TELEPHONE | FAX | EMAIL | WEBSITE:
Toll-Free: 877.267.5554
Fax: 512.475.1313
consumer.complaints@dob.texas.gov
dob.texas.gov
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