Privacy Policy



Royal Citizen Bank is a full-service community bank providing a broad range of products and services to its customers from basic banking services to investments, loans and mortgages, insurance, and online banking. At Royal Citizen Bank, protecting our customers’ privacy and financial assets has always been at the core of our business. We value the trust that our customers have placed in Royal Citizen Bank by choosing to do business with us. The Provident recognizes its responsibility to keep the information that we obtain about our customers secure and confidential in accordance with this Privacy Policy, which is detailed in our Privacy Notice. Royal Citizen Bank does not share customer or former customer non-public personal information with anyone except as allowed by law or as specifically authorized by the customer.


The Board of Directors understands the necessity for policies and procedures in connection with the rights of our customers’ to expect their non-public personal information have a reasonable amount of confidentiality. Therefore, the Board of Directors has adopted the following, in order to comply with all state and federal laws and regulatory requirements.

Information Collected

In order to deliver products and services to our customers as effectively and conveniently as possible and to better understand the financial needs of our customers, Royal Citizen Bank collects, retains, and uses various types of information about our customers. This includes demographic information (such as name, address, phone or social security number) and credit information (like information related to accounts with us or others). This information comes either directly from the customer; for example, from applications prepared by the customer, financial statements, which the customer provides to us, or E-mails, sent to us; or from transactions on customer accounts with us. It may also come from outside sources, such as credit reporting agencies and public records. If the customer should visit our Internet website, we do not collect identifying information, but we may use standard software (called “cookies”) to collect non-identifying information about the Internet usage, such as the date and time our site was accessed and the web browser that was used by the customer.

Information Protection and Accuracy

Royal Citizen Bank diligently maintains physical, electronic and procedural safeguards that comply with applicable federal standards to guard private personal information and to assist us in preventing unauthorized access to that information. The only employees or companies who can access personal customer information are those who use it to service a customer’s account, to respond to customers’ questions, or to provide services. We will ensure that our employees understand the importance of maintaining the confidentiality of customer information and that they fully understand the Bank’s Privacy Policy through ongoing training. We also make every effort to ensure that the consumer and personal information that we maintain about our customers is accurate, up-to-date, and complete.

Sharing Information with Outside Third Parties

Royal Citizen Bank employs outside marketing companies on a contract basis to assist us in marketing our products and services to our customers. Information that we may share with our marketing partners includes name, address, and telephone number and general description of the type of relationship maintained with us. For example, we may indicate that a customer has a deposit account or a mortgage with us. We do not disclose account numbers, social security number, or any credit or transaction information to our marketing partners.

We will maintain written contracts with all of our partners that prohibit their using the consumer personal information that we provide them for any purpose other than to jointly market our products to our customers, and which requires them to treat such information in a confidential manner to comply with all state and federal regulations. 

Royal Citizen Bank will not share information about our customers with other companies except in order to conduct our business, comply with applicable law, protect against fraud, or as authorized by our customers. Vendors or service companies that we retain to process information about our customers are required to conform to our privacy standards. We do not sell or exchange customer information. We may also provide information to regulatory authorities, consumer reporting agencies and law enforcement agencies in accordance with applicable law.

Royal Citizen Bank recognizes and respects the privacy expectation of its customers and considers the safekeeping of customer information a fundamental responsibility of the Bank

If you have any questions about this Privacy Policy please contact us.