Effective as of August 2025
Member FDIC
POLICY STATEMENT
Texas Regional Bank is committed to the protection of sensitive information and the privacy of our customers and visitors to this website. The following disclosure informs you about our collection, use and protection of information.
This Online Privacy Disclosure applies to your use of the websites and mobile device applications “Web Services” of Texas Regional Bank (“TRB” or “us” or “our”) and its affiliates, regardless of whether you are using a smart phone, electronic tablet, laptop, desktop computer, or other type of electronic device. If you are a TRB customer, you should review our Customer Privacy Policy, which governs TRB’s handling of your personal information.
INFORMATION WE COLLECT
We may collect and store the following information when you use our Web Services:
Contact and Content Upload Information. When you contact us using one of our online contact forms, we collect the messages you send, as well as the personal information you provide, such as your name, phone number, and email address.
Online Application and Services Information. We require certain personal information when you apply online for an account, loan or other service, or when you subscribe to an online or mobile banking service. In addition to basic details such your name, email address, and phone number, we may require information to verify your identity, such as your social security number, driver’s license number and place of employment. We may also require that you use additional authentication methods or mechanisms that we may require in our sole discretion in order to authenticate your use of the services. We may obtain reports from credit bureaus or other third parties in order to evaluate your applications.
Financial and Transactional Information. Our use of customers’ financial and transaction information is limited, as set forth in our Customer Privacy Policy and in keeping with applicable law.
Log Data. When you access and use our Web Services, we automatically record information concerning the device you are using and your activity on our Web Services. This may include your device’s Internet Protocol (“IP”) address, your browser type, the types of information you search for and view on our Web Services, locale preferences, identification numbers associated with your device, and your mobile carrier or Internet Service Provider. If you arrived at one of our Web Services by clicking on an advertisement, promotion, or search result on another website, we also take note of the web page you visited before you came to our Web Services.
Cookies. A “cookie” is a small data file that is transferred to your device. We use cookies to collect information to enable certain features of our Web Services and to preserve your preferences and customize your experience when you visit and return to our Web Services. In addition, we and third parties acting on our behalf, also use cookies to perform certain online advertising and analytic functions. Most browsers provide controls whereby you can choose to block receipt of cookies, delete cookies, or to be prompted before cookies are received. Please note that if you delete or choose not to receive cookies from our Web Services, the functionality of our Web Services may be impaired.
Geo-Location Information.
Many devices can provide real-time location-based information. TRB will ask for your consent to use your geo-location information. This information is used to enhance the features and functionality of our Web Services or other services TRB provides. In addition, some of the information we already collect, such as IP addresses, may be used to estimate an approximate location of the device you are using to access our Web Services.
ONLINE TRACKING AND ADVERTISING
We use services offered by third-parties (including, but not limited, to Google and other search engines) to advertise on third-party websites based on search terms used by you and your visits to our Web Services. We receive relevant history and website usage information collected by those third parties, including search terms that direct visitors to our Web Services, and we use that information to improve our Web Services and for our own marketing purposes. Those third-parties use cookies to provide these services to us and to serve ads and customize search results based in part on your visits to our websites or Web Services.
You can block cookies by changing the settings on your internet browser or with software programs specifically designed to block cookies. If you choose to block cookies, please note that you may not be able to log into our secure online banking services and you may limit other functionalities from our sites and/or other third-party sites. Currently, various Internet browsers offer a “do not track” or “DNT” option that uses a DNT header to indicate the DNT preference setting on the browser. Because standards for DNT continue to evolve, we do not currently respond to browsers’ DNT signals with respect to our Web Services. We do not track your activity over time and across different websites or online services, and we do not permit our third-party service providers to collect information from our Web Services for other websites or for their own purposes, except on a limited basis in connection with the advertising discussed in the prior paragraph. Please note that if you opt out of tracking services, you will still see advertisements when you browse the Internet, but those advertisements may be less tailored to you and your interests.
HOW WE USE YOUR INFORMATION
We use your information to verify your identity, provide you with quality customer service, evaluate your request for products and services, and improve our Web Services and service offerings. We may be obligated by law to retain certain communications and other information concerning you. In addition, we may retain and use communications, transaction details, and identifying information (such as IP addresses) to maintain audit trails for security and anti-fraud purposes.
Texas Regional Bank does not share information concerning you with unaffiliated third parties for marketing purposes. However, we may use some of the information that we collect concerning you to present you with information concerning TRB services that may be of interest. For example, we may tailor our marketing efforts based on the types of financial services you use, the services in which you demonstrate an interest, and your use of our websites.
DISCLOSURE INFORMATION
We may disclose information concerning you if required to do so by law or if we believe that such action is necessary to comply with a legal obligation or to protect and defend our rights or property, or those of our customers. TRB’s Privacy Policy governs additional information we may disclose for customers.
HOW WE PROTECT YOUR INFORMATION
Texas Regional Bank is committed to maintaining the security of your information, which is consistent with our core values and commitment to customer service. When you send information to us using the Internet, we use TLS (Transport Layer Security) or SSL (Secure Socket Layer) protocols to secure the transmission of information that you send to us over the Internet. Once we receive information, we store and protect it using industry-standard firewalls and other technology. Please remember, though, that no method of electronic transmission or storage is 100% secure.
CHILDREN’S ONLINE PRIVACY
Our Web Services are not intended for use by children under the age of 13. As such, we do not knowingly solicit, collect or use personal information from children under the age of 13. Only the parent or legal guardian of a child under the age of 13 may utilize any services provided through our Web Services that involve a password, user ID, or the provision of any other information by the user, even when a deposit or other account has been established on behalf of the child. Should you have additional questions or concerns, please contact us. For more information about Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website at www.ftc.gov.
LINKS TO OTHER WEBSITES
Our website may contain links to other websites that are not owned or controlled by us (“third-party websites”). Please be aware that we are not responsible for the privacy practices of third-party websites; they may differ from ours. This Online Privacy Disclosure only applies to information collected through TRB’s Web Services.
SMS DATA / MOBILE DATA
Our online or Web Services may request a mobile number for text messaging or calling in order to verify the customer, which allows us to deliver additional requested services.
SMS Terms and Conditions: Upon messaging opt-in, the end user agrees to receive messages from Texas Regional Bank regarding communications, marketing, etc. End users can opt-out by replying STOP or request more information by replying HELP. No mobile information will be shared with third parties or their affiliates for marketing/ promotional purposes. All the above categories exclude text messaging, originator, opt-in data and consent; this information will not be shared with any third parties, including affiliates or business partners. The opt-in is not transferable to another party involved in the process.
Message frequency varies. Third party message and data rates may apply.
YOUR CHOICES AND HOW TO CONTACT US
Should you have any questions or concerns regarding your information or privacy-related issues, please contact us via any of the methods listed directly below:
Via Mail
Texas Regional Bank
P.O. Box 5555
McAllen, Texas 78502-5555
Via Email
support@trb.bank
Via Telephone
855-534-4433
CHANGES TO THIS ONLINE POLICY DISCLOSURE
We may need to make changes to this Online Privacy Disclosure from time to time to reflect changes to our Web Services or to accommodate new technology or legal requirements and guidelines. Please check the links on our website at www.trb.bank to this Online Privacy Disclosure for any updates. Information collected in connection with your use of our Web Services after any changes to this Online Privacy Disclosure become effective will be handled in accordance with the revised Online Privacy Disclosure.