Privacy & Security
Privacy Policy
| 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 and income
- account balances and payment history
- credit history and assets
When you are no longer our customer, we continue to share your information as described in this notice.
|
| 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 VirtualBank, a Division of Sabadell United Bank, N.A. chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does VirtualBank 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
|
No |
We don't share |
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 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 877-998-2265 or go to www.virtualbank.com |
| Who we are |
Who is providing this notice? |
VirtualBank, a Division of Sabadell United Bank, N.A. |
| What we do |
How does VirtualBank 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 VirtualBank collect my personal information? |
We collect your personal information, for example, when you
- open an account or deposit money
- give us your contact information or apply for a loan
- use your credit or debit card
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 nonfinancial companies.
- Our affiliates include:
- Companies with a Banco Sabadell name.
|
Non-affiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- VirtualBank, a Division of Sabadell United Bank, N.A. 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.
- VirtualBank, a Division of Sabadell United Bank, N.A. does not jointly market
|
back to top
Security
VirtualBank recognizes and respects the privacy and security of our clients. These online banking practices are presented to help you understand our commitment to your online privacy and security and to allow you to assist us in fulfilling our commitment to you.
E-mail is not necessarily secure against interception. If your communication is very sensitive, or includes personal information such as your account numbers, credit card number or social security number, you must follow the procedures below or you may want to call us or send it through the U.S. mail instead.
To help ensure secure transmissions, your e-mails to us should be sent within our password-protected banking system. To send a secure message, log in to your account using your user name and password. Inquiries sent through this method are secure and use Secure Sockets Layer (SSL) technology. Never send e-mails containing sensitive information to us through the "Contact Us," "Info" or any other e-mail address that is outside the password-protected banking system. To ensure our response back to you is secure, we will only provide confidential account information in a response that is provided to you through the secure pages within the password-protected banking system.
When you logon to VirtualBank, we use a "cookie" as part of our interaction with your browser. A "cookie" is a small text file or text identifier placed on your computer by us. Cookies are commonly used on websites and do not harm your system. We use cookies to provide you with a more personalized experience at our website. Some portions of our website require the use of cookies for proper function. These cookies do not collect personally identifiable or confidential information.
VirtualBank employees WILL NEVER ask you for your online banking password. If you are asked for this information, please call us toll free at 1-877-998-2265 immediately and report it to management.
From time to time there may be planning tools throughout our site to help you make the financial decisions that are right for
you. If these tools are available we encourage you to try all of your "what-if" scenarios as often as you like. Examples include the
mortgage calculators. We do not capture the personal information you provide on these planning tools, unless you choose to apply for a loan while using the tool.
If you have questions about our privacy or security practices, please call us toll free at 1-877-998-2265 or e-mail us at
info@virtualbank.com.
How to Protect Yourself from Fraudulent Emails
At VirtualBank, protecting your personal information is of the utmost importance to us. Recently a new form of fraudulent email called “Phishing” has emerged over the internet. Phishing emails are created to look like a legitimate email from a particular organization. The goal of phishers is to trick you into providing your personal information that can then be used for identity theft or to compromise your bank or credit card accounts.
To log in to your VirtualBank account you will always need to use the User Name and Password combination you created at
the time you opened your account or modified your security profile. Additionally, if you login from an unknown computer
, we will give you a call to ensure that the login is coming from you. You will be presented with your personal Login
Phrase which is the phrase, expression or group of words that you chose when creating your Security Profile. This Login
Phrase should appear every time you log in to VirtualBank. If you do not recognize your Login Phrase or the phrase does
not display, please call us Toll Free at 1-877-998-2265
To access the VirtualBank website, open a new web browser (e.g., Internet Explorer or Netscape) and type in the following:
http://www.virtualbank.com.
Emails from VirtualBank will address you by your name. Fraudulent emails often include the salutation “Dear Valued Customer” or “To Whom It May Concern”.
Emails from VirtualBank will never ask you to download an attachment or a software program. Attachments contained in fraudulent emails often contain viruses that may harm or compromise your computer.
If VirtualBank requires personal information from you, we may notify you via email to log in to your account and provide
this information to us by using our secure messaging system. To access the secure messaging system you will have to log
in at
http://www.virtualbank.com and enter your User Name and Password as described in the Safe Login section above.
Never provide the following information via email:
- Your Full Name
- VirtualBank bank account, credit card, and PIN number
- Social security number
- Driver’s license number
- Mother’s maiden name
- Email and password combination
Choosing a password: Choose a unique password to include one upper case letter, one lower case letter, and one number and change it every 30–60 days.
If you think that you have received a fraudulent email, please forward the email to
abuse@virtualbank.com or contact us by phone at 1-877-998-2265. Also, delete the email from your mailbox. Never click on any links or attachments in a suspicious email.
If you have any questions, please do not hesitate to contact us at 1-877-998-2265.
back to top