Privacy & Security

 

IN THE NEWS: Data Security Breach at Target Stores

As many as 40 million customer credit cards were compromised at Target retail stores between November 27 and December 15, 2013. Currently, we are evaluating Pacific Continental Bank accounts for potentially compromised debit and credit cards. 

If we suspect that your account may have been comprised, we will automatically send you a new debit and/or credit card, and mail you a letter informing you of the process.

Please direct any questions you may have to our Client Support Team at 877-231-2265, or banking@therightbank.com.

A Top Priority for Pacific Continental Bank

Protecting the privacy and security of personal nonpublic information is important to Pacific Continental Bank and its employees. We recognize the importance of maintaining the privacy standards you expect for the information you have entrusted to us.

 Our Privacy Policy informs you of the types of information we collect, how we use that information, and the circumstances under which we will share it within our company and with non-affiliated third parties. We do not disclose any nonpublic personal information about our clients or former clients to anyone, except as permitted or required by law. 

Children’s Online Privacy Protection Act

COPPA Disclosure

The online financial services offered through Pacific Continental Bank’s website are not designed for or directed toward children under the age of 13. The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. 

Pacific Continental does not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. If you believe your child has provided personally identifiable information to us, please contact us. 

You may contact us by phone, toll-free at 1-877-231-2265, email at banking@therightbank.com or mail at Pacific Continental Bank, PO Box 10727, Eugene, OR 97440-2727. For more information about the Children’s Online Privacy Protection Act, please visit the Federal Trade Commission website.

Overdraft/Opt-In Update

The Federal Reserve Board (FRB) has adopted revisions to Regulation E (“Reg. E”) that require consumers to opt-in to their financial institution’s overdraft protection service for ATM and one-time debit card transactions before overdraft fees may be assessed on a consumer’s account. The new Reg. E revisions requiring consumers to opt-in to overdraft services do not apply at Pacific Continental Bank. 

The bank does not allow its clients to overdraw their account at an ATM or when they make a purchase using their debit card unless they have a signed and pre-approved line of credit in place. It’s important to understand that checks and automatic bill payments are not covered under these new rules, so they may be subject to overdraft charges; however, there is no need to “opt-in” to additional overdraft charges related to checks or bill payments.

Facing Foreclosure?

If you are at risk of facing foreclosure, your lender may contact you directly. If you are contacted by your lender, try to work with the lender to assess your ability to repay the debt, as well as to consider other options.The letter or notice that you receive may contain the toll-free phone number for the U.S. Department of Housing and Urban Development (HUD), 1-800-569-4287. 

HUD-approved counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. Foreclosure-prevention counseling services are provided free-of-charge by nonprofit housing counseling agencies working in partnership with the Federal Government. In addition, as part of the Homeowner Affordability and Stability Plan (HASP), the Making Home Affordable initiative allows eligible borrowers to refinance or modify their existing first mortgage. Click here for more information.

Educate Yourself about Foreclosure:

  • There are steps to take and individuals to contact if you are behind on your monthly mortgage payments and need assistance. Click here for more information in Washington.
  • Sometimes a lender may not pursue foreclosure even though your loan payments are behind. Although a lender isn’t required to accept any offers or renegotiate the terms of your loan, there may be alternatives to foreclosure. Click here to learn more information in Oregon.
  • Published by the Federal Deposit Insurance Corporation (FDIC), this information “toolkit” is designed to help prevent both unnecessary foreclosures and fraudulent rescue scams by encouraging loan modification and providing an FDIC phone line to direct borrowers to legitimate mortgage counselors. Click here to learn more information.