man running hand over wheat
Facts | What does the Cowboy Bank do with your personal information? |
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Facts Why? | What does the Cowboy 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. Please read this notice carefully to understand what we do. |
Facts What? | What does the Cowboy Bank do with your personal information? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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Facts How? | What does the Cowboy Bank do with your personal information? 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 The Cowboy Bank chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Do we share? | Can you limit? |
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Reasons we can share your personal information 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. | Do we share? Yes | Can you limit? No |
Reasons we can share your personal information For our marketing purposes: to offer our products and services to you | Do we share? No | Can you limit? We Don't Share |
Reasons we can share your personal information For joint marketing with other financial companies: | Do we share? No | Can you limit? We Don't Share |
Reasons we can share your personal information For our affiliates' everyday business purposes: information about your transactions and experiences | Do we share? No | Can you limit? We Don't Share |
Reasons we can share your personal information For our affiliates' everyday business purposes: information about your creditworthiness | Do we share? No | Can you limit? We Don't Share |
Reasons we can share your personal information For nonaffiliates to market to you: | Do we share? No | Can you limit? We Don't Share |
Questions? | Call 972-435-2131 or go to www.cowboybank.com |
What We Do | |
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What We Do How does The Cowboy 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. |
What We Do How does The Cowboy Bank collect my personal information? | We collect your personal information, for example, when you:
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What We Do Why can't I limit all sharing? | Federal law gives you the right to limit only:
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Definitions | |
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Definitions Affiliates | Companies related by common ownership or control. They can be financial and non financial companies.
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Definitions Non Affiliates | Companies related by common ownership or control. They can be financial and non financial companies.
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Definitions Joint Marketing | A formal agreement between non affiliated financial companies that together market financial products or services to you.
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For Texas Customers. The The Cowboy Bank is chartered, licenced or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. The Cowboy Bank also engages in the business of selling stored value cards as an agent for TIB The Independent BankersBank, which is licensed under the laws of Texas and is subject to regulatory oversight by the Texas Department of Banking.
After first contacting The Cowboy Bank, if you still have an unresolved complaint regarding the company’s stored value card activity, please direct your complaint to the Texas Department of Banking.
Any Consumer wishing to file a complaint against The Cowboy Bank should contact the Texas Department of Banking through one of the means indicated below:
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294
Toll Free: (877) 267-5554
Fax No. (512) 475-1313
E-mail: consumer.complaints@dob.texas.gov
Website: http://www.dob.texas.gov
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:
You may access your account by telephone using your touchtone telephone, account numbers, and personal identification number (PIN) to:
You may access your account for telephone transactions at the following number(s) and during the following hours:
(972)435-6102, 24 hours a day:
You may access your checking account(s) by debit card to do transactions that participating merchants will accept, including:
If you effect a transaction with your Card in a currency other than US Dollars, MasterCard® will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
MasterCard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 80 basis points (.8% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. The fee we charge you for cross-border transactions/currency conversion is disclosed separately. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.
You may access your accounts by computer at www.cowboybank.com or Smart Phone (iPhone or Android) via The Cowboy Bank Mobile App by using your username and password to:
You may access this service by computer at www.cowboybank.com or Smart Phone (iPhone or Android) via The Cowboy Bank Mobile App by username and password. You may access this service to:
Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure. See your service agreement for details.
Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Savings, Money Market account(s):
During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfer may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution
For security reasons, there are other limits on the number of transfers you can make using our For security reason, there are other limits on the number of transfers you can make using our terminals.
You will get a monthly account statement from us for your, Savings, account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
We will disclose information to third parties about your account or the transfers you make:
Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
You will not be liable for any unauthorized transactions using your MasterCard® Debit Card, when used for point-of-sale transactions, if:
If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of nyou already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
If you have inquiries regarding your account, please contact us at:
The Cowboy Bank of Texas
Bookkeeping
100 N. Main Street
Maypearl, TX 76064-1706
BUSINESS DAYS: Monday, Tuesday, Wednesday,Thrusday, Friday and Saturday
PHONE: (972)435-2131, Holidays are not included.
As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful:
The Cowboy Bank of Texas
100 N. Main Street
Maypearl, TX 76064-1706
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
This is important information about your ability to withdraw funds from:
The Cowboy Bank of Texas
100 N. Main Street
Maypearl, TX 76064-1706
(972) 435-2131
This policy statement applies to “”transaction” accounts”.
Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.
Our policy is to make funds from your cash, check deposits, and electronic direct deposits available to you on the same day we receive your deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.Please remember that even after we have made funds available to you, and you have withdrawn the funds,you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, everyday is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 03:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 03:00 PM or on a day we are not open,we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank,we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
Case-by-Case Delays. In some cases, we will not make all of the funds that you deposit by check available to you on the same day we receive your deposit.Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits,however, will be available on the same day.
If we are not going to make all of the funds from your deposit available on the same day we receive your deposit,we will notify you at the time you make your deposit.We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees,or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
If you are a new customer, the following special rules will apply during the first 30 days your account is open. If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and Federal, State and local Government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.
$5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business after the day of your deposit.
Funds from all other check deposits will be available on the ninth business day after the day of your deposit.