Last updated: January 1, 2026
Metro X Financials ("we," "our," or "the Bank") is committed to protecting the privacy and
security of our customers' personal information. This Privacy Policy describes how we collect,
use, share, and safeguard information in connection with our banking products and services.
By using our services, you agree to the practices described in this policy.
1. Information We Collect
We collect information necessary to provide you with banking products and services,
comply with legal requirements, and improve your experience. This includes:
- Account Information: Name, address, Social Security number, date of birth, government-issued ID, and employment information collected during account opening.
- Transaction Data: Deposits, withdrawals, transfers, bill payments, loan applications, and all financial activity associated with your accounts.
- Online Behavior: IP address, browser type, device identifiers, pages visited on our website and mobile app, and session duration collected through cookies and similar technologies.
- Communication Records: Records of phone calls, emails, and chat sessions with our customer service team, which may be recorded for quality assurance and compliance purposes.
- Third-Party Data: Credit reports, identity verification data, and fraud-prevention information from authorized third-party sources.
2. How We Use Your Information
We use the information we collect for the following purposes:
- Service Delivery: To open and maintain your accounts, process transactions, provide customer support, and deliver the financial products and services you've requested.
- Security & Fraud Prevention: To verify your identity, detect and prevent fraudulent activity, monitor accounts for suspicious transactions, and protect both you and the Bank from financial crime.
- Legal Compliance: To fulfill our obligations under federal and state banking laws, including the Bank Secrecy Act, anti-money laundering regulations, and tax reporting requirements.
- Product Improvement: To analyze how customers use our services, identify areas for improvement, and develop new products that better meet your needs.
- Marketing Communications: With your consent, to inform you about products, rates, and services that may be relevant to your financial situation. You may opt out at any time.
3. Information Sharing
Metro X Financials does not sell your personal information to
third parties. We may share your information only in the following limited circumstances:
- Affiliates: With our affiliated financial companies for everyday business purposes, including offering you products you may be interested in, consistent with applicable law.
- Service Providers: With trusted third-party companies that perform services on our behalf — such as payment processing, data analytics, check printing, and IT support — under strict confidentiality agreements.
- Legal Requirements: When required by law, court order, subpoena, or government authority, or to protect the rights, property, or safety of Metro X Financials, our customers, or the public.
- Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, customer information may be transferred as a business asset, subject to the same privacy protections.
Our Commitment: We never sell your personal financial information to marketers, data brokers, or other third parties for their own commercial use.
4. Data Security
We employ industry-leading security measures to protect your personal and financial information
from unauthorized access, disclosure, alteration, and destruction:
- 256-Bit SSL Encryption: All data transmitted between your device and our servers is protected by 256-bit SSL/TLS encryption — the same standard used by the world's leading financial institutions.
- Multi-Factor Authentication: Our online and mobile banking platforms require multi-factor authentication to verify your identity, making unauthorized access significantly more difficult.
- Continuous Monitoring: Our security operations center monitors account activity and network traffic around the clock for unusual patterns that may indicate fraud or a security breach.
- Employee Training: All Metro X team members receive regular training on data security best practices and are bound by strict confidentiality obligations.
- Physical Safeguards: Our data centers and branch systems are protected by physical access controls, surveillance systems, and secure disposal procedures for sensitive documents.
5. Your Rights
You have rights regarding the personal information we hold about you. Depending on applicable
law, these may include:
- Access: The right to request a copy of the personal information we hold about you.
- Correction: The right to request that we correct inaccurate or incomplete information in your records.
- Deletion: The right to request deletion of your personal information, subject to our legal obligations to retain certain records.
- Opt-Out of Marketing: The right to opt out of receiving promotional communications from Metro X at any time, without affecting your access to banking services.
- Data Portability: Where required by law, the right to receive your data in a structured, commonly used format for transfer to another institution.
To exercise any of these rights, please contact our Privacy Officer using the information below.
We will respond to all verified requests within 30 days.
6. Contact for Privacy Concerns
If you have questions, concerns, or requests regarding this Privacy Policy or our handling of
your personal information, please contact our Privacy Officer:
Metro X Financials is a member FDIC institution. This Privacy Policy is effective as of
January 1, 2026 and supersedes all prior versions.
We may update this policy from time to time; material changes will be communicated to
you as required by law.