Privacy Policy

Protecting your privacy is important to Reliant Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services effectively and as conveniently as possible, we use technology to manage and maintain customer information. The following policy notice serves as a standard for all Bank employees for the collection, use, retention, and security of nonpublic personal information.

We, our, and us, when used in this notice, mean Reliant Bank. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

  • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Self-directed Individual Retirement Account
  • Financial, investment, or economic advisory services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We first define some terms:

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”

The information we collect

We may collect information about you from the following sources:

  • Information you give us on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with other parties
  • Information from a consumer reporting agency
  • Information we receive as a result of verifying customer information

Information we disclose about you

We do NOT sell or disclose your information to nonaffiliated third parties, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Service provider/joint marketing exception

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Information about former customers

We do not disclose information about former customers, except as permitted by law.

The confidentiality, security, and integrity of your information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

How Reliant Bank Protects You

We value your trust, and we understand that handling your financial information with care is our most important responsibility. So, only those who provide the products or services you might need are authorized to have access to your financial information.

Our Security Policy: We operate under a detailed, rigorous information security policy designed to protect the security and confidentiality of your information. The Reliant Bank Board of Directors has approved this policy and program, and we keep the board informed on the overall status of our information security program. The information security program is also subject to ongoing regulatory oversight and examination.

Our Code of Ethics: We have a strict code of ethics for all associates that requires confidential treatment of your information. Any associates with access to information must complete privacy and information security awareness training annually. Reliant Bank also maintains physical, electronic and procedural safeguards to protect against unauthorized access to customer information.

Our Computer Security Plan: Keeping your financial and personal information secure and confidential is one of our most important responsibilities. Your information remains secure because our computer systems are protected in the following ways:

  • Computer anti-virus protection detects and prevents viruses from entering our computer network systems.
  • Firewalls block unauthorized access by individuals or networks. Firewalls are one way we protect our computer systems that interact with the Internet.
  • Secure transmissions ensure information remains confidential. We use encryption technology, such as Secure Socket Layer (SSL), to transmit information between you and us. This protects data in three key ways:
  1. Authentication ensures that you are communicating with us, and prevents another computer from impersonating Reliant Bank.
  2. Encryption scrambles transferred data so it cannot be read by unauthorized parties.
  3. Data integrity verifies that the information you send to us is not altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
  4. Advances in security technology are constantly evaluated by our experts to ensure that we provide the right protection for you.

Tips on Protecting Your Information

Identity theft and account fraud are attracting more attention these days. These crimes are committed when someone steals personal information such as your bank account number or Social Security number, then poses as you and takes funds from your account or runs up debt in your name, or both.

Here are some tips that you can use to minimize your risk of identity theft or account fraud:

  • Don't give out your checking account, credit card, or Social Security number over the phone unless you initiate the call and know who you're dealing with.
  • Report lost or stolen checks immediately. Promptly review all checks when you receive new deliveries of checks to be sure none have been stolen in transit.
  • Store cancelled checks – and new checks – in a safe place.
  • Notify your financial institutions immediately if you receive a suspicious phone call from someone purporting to represent the institution and asking for account information "to verify a statement" or "award a prize."
  • Call the customer service number listed on your account statement if you receive a suspicious e-mail or call from someone who says he or she represents Reliant.
  • Don't respond to any e-mail that asks for your password, Social Security number or other personal information. You should also be suspicious of any e-mail that sends you information and asks you to update or verify it. These e-mails may appear to come from a trusted friend or business, but are usually designed to trick you into downloading a virus or jumping to a fraudulent website and disclosing personal information.
  • Open e-mails only when you know the sender. Be especially careful about opening an e-mail with an attachment. While it may list a friend as the sender, it could still contain a virus.
  • Guard your ATM Personal Identification number (PIN) and ATM receipts.
  • Before throwing them away, tear up financial solicitations you receive in the mail -- and do the same for any other financial statements, invoices, or ATM receipts you wish to discard.
  • Don't put outgoing mail in your mailbox. Drop it in a secure Postal Service collection box. Thieves may use your mail to steal your identity information.
  • If regular bills fail to reach you, call the companies to find out why. Someone may have filed a false change-of-address form to divert your information to his/her address.
  • If bills include suspicious items, investigate promptly to head off possible fraud before it occurs.
  • Periodically contact the major credit bureaus to review your file and be sure the information is correct. For a small fee, you can obtain a copy of your credit report at any time. The three major credit bureaus are: Equifax (800) 685-1111; Experian (888) 397-3742; and TransUnion (800) 916-8800.

If You Suspect Account Fraud

If you suspect account fraud, there are a few steps you should take immediately:

  • Contact all financial institutions with which you have accounts, including all credit card issuers. Be sure to include specific retail charge accounts such as Sears, Home Depot, etc. For Reliant accounts call 615-221-2050.
  • Contact the major check verification companies to request that retailers using their databases be notified not to accept the stolen checks. The following companies accept reports of check fraud directly from customers: Telecheck (800) 710-9898 and Certegy (800) 337-5689.
  • File a police report with your local police department.
  • Contact the three major credit bureaus and request a copy of your credit report. Review your reports for any additional fraudulent activity. Request a "fraud alert" for your file and a victim's statement asking creditors to call you before opening new accounts or changing existing ones.
  • Watch for stolen mail. If you suspect that any mail is not being delivered to you, confirm with the sender and contact your local post office and police.
  • Keep written records of the incident. Include what happened, what was lost or stolen, and what steps you took to report the incident to law enforcement and the various agencies, banks, and firms involved. Be sure to include the date, time, telephone numbers called, the name of the person you spoke to, and any other relevant information.

We hope you find this information useful. At Reliant Bank, we believe that being informed and taking the right precautions can go a long way to help you avoid being a victim of identity theft and account fraud. Keep this information as a reference tool. And remember, we're always here to answer any question you may have. We appreciate your business, and we want to be a resource for helpful information whenever you need it.