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Privacy and Notices

Privacy Notice

We believe that each customer relationship at Third Coast Bank is built on trust. We are committed to guarding that relationship with great care, beginning with the information you share with us. The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.

What Does Third Coast Bank Do With Your Personal Information?

Rev. Date 01/2025

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 but is not limited to:
  • Social Security Number and Income
  • Account Balances
  • Payment History
  • Transaction or Loss History
  • Credit History
  • Overdraft History
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 Third Coast Bank chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Third Coast Bank 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 Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We don't share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We don't share
For our nonaffiliates to market to you No We don't share
To Limit Our Sharing
  • Call 1-833-844-7708 - our menu will prompt you through your choice(s), or
  • Mail a notice to Attn: OPTOUT - PO Box 3871 Humble, TX 77347
Questions?  Call 1-833-844-7708 or email customerservice@thirdcoast.bank                                                                                                                      
Who We Are
Who is providing this notice? Third Coast Bank
What We Do
How does Third Coast Bank protect my 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 Third Coast Bank  collect my information? We collect your personal information, for example, when you
  • Open an account 
  • Deposit money
  • Use your credit or debit card
  • Make a wire transfer
  • Show your driver's license
  • Apply for a loan
We also collect your personal information from others, such as credit bureaus or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit:
  • sharing for affiliates’ everyday business purposes – such as information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.   
  • Third Coast Bank does not share information with our affiliates. 
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. 
  • Third Coast Bank does not share with nonaffiliates so that they can market you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. 
  • Our joint marketing partners include financial services companies.
Other Important Information
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization.
For Texas Customers. The Third Coast Bank is chartered 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 the Third Coast Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail at 2601 North Lamar Boulevard, Austin, Texas 78705-4294, Telephone No.: (512) 475-1300, Fax No.: (512) 475-1313, or via electronic submission on the Department's website at https://www.dob.texas.gov/file-complaint. 
Telephone communications - All telephone communications with us may be monitored or recorded.
State Law- You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices.
  • California residents only: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your accounts.
  • For Nevada residents only: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit our sharing section above. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: aginfo@ag.nv.gov
  
 
  

Consumer Complaint Notice

Contacting a bank regulator - Third Coast Bank is chartered 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 Third Coast Bank should contact the Texas Department of Banking through one of the means indicated below:
 
In Person or US Mail:
  Texas Department of Banking
  2601 North Lamar Blvd
  Austin, TX 78705-4294  
 
E-Mail Address:
consumer.complaints@dob.texas.gov
 
Website Address:
www.dob.texas.gov
 

Telephone Number: (877) 276-5554

Fax Number: (512) 475-1313

 

FDIC Insurance

The Dodd-Frank Wall Street Reform and Consumer Protection Act signed on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.
 
Consumers and bankers can find additional information regarding FDIC's deposit insurance coverage through the use of the FDIC's Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC's website "Are My Deposits Insured?" Click button to visit website: FDIC: Understanding Deposit Insurance(Opens in a new Window) (Opens in a new Window)
In addition, they can call the FDIC at 1-877-ASK-FDIC (1-877-275-3342).