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Compliance Policies

Annual Disclosure Statement | Community Reinvestment Act NoticeFunds Availability Policy | Privacy Policy | USA Patriot Act

Annual Disclosure Statement

The Federal Deposit Insurance Corporation requires FDIC-Insured State-Chartered Banks that are not members of the Federal Reserve System to prepare, and make available on request, annual disclosure statements of the bank's financial condition.

The first copy of the annual disclosure statement shall be provided to a requester free of charge. An annual disclosure statement may be requested from:

Helen C. DeFusco
EVP / CFO
Metro Phoenix Bank
4686 E. Van Buren St., Ste. 150
Phoenix, AZ 85008
(602) 346-1800

Community Reinvestment Act Notice

Under the Federal Reinvestment Act (CRA) the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

You are entitled to certain information about our operations and our performance under the CRA including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Compliance and Consumer Affairs, FDIC, 25 Jessie Street at Ecker Square, Suite 2300, San Francisco, California 94105. You may send written comments about our performance in helping to meet community credit needs to:

Stephen Haggard
President / CEO
Metro Phoenix Bank
4686 E. Van Buren St., Ste. 150
Phoenix, AZ 85008
(602) 346-1830

-And-

Regional Manager
Federal Deposit Insurance Corporation
25 Jessie Street at Ecker Square
Suite 2300
San Francisco, CA 94105

Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with FDIC.

Funds Availability Policy

Notice: In accordance with Federal Regulation CC we need to inform you of our policy regarding your rights to draw funds against deposits you have made to any transaction account at our institution. Our Funds Availability Policy is outlined below:

Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposit will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. Then, the funds will generally be available by the second business day after the day of deposit.

Privacy Policy

Protecting the privacy and security of your personal information is important to Metro Phoenix Bank and its employees. This Privacy Notice is designed to inform 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 nonaffiliated third parties.

All Financial companies need to share customers' personal information to run their everyday business. The types of personal information we collect and share depends on the product or service you have with us. This information may include:

  • Social Security number and credit history
  • Income and employment information
  • Credit scores and assets

Information is collected in a variety of ways which include; when you apply for a loan or for financing, when you deposit money or make a wire transfer, or make deposits or withdrawals from your account.

Metro Phoenix Bank may share information for everyday business purposes, such as processing your transactions, maintaining your account(s), responding to court orders and legal investigations, or to report to credit bureaus. When you are no longer our customer, we continue to share your information as described in this notice.

Federal law gives you the right to limit Metro Phoenix Bank and the sharing of your personal information for marketing purposes. However, Metro Phoenix Bank does not participate in joint marketing with other financial companies, or share your personal information with our affiliates or any non-affiliates to market to you.

We take your privacy seriously and protect your personal information from unauthorized access and use by taking strict security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Metro Phoenix Bank restricts access to your personal and account information to those employees who need to know that information to perform their job, or to provide products and services to you. We train all employees to recognize and respect your privacy. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information.

If you have questions or concerns regarding Metro Phoenix Bank's privacy policy and practices, please contact us at (602) 346-1800, by email at customerservice@metrophoenixbank.com , or in person or by mail at 4686 E. Van Buren St., Ste. 190, Phoenix, Arizona 85008.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address, and other identifying information.

In some cases identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customers' identity and confidentiality is our pledge to you.

Metro Phoenix Bank proudly supports all efforts to protect and maintain the security of our customers and our country.

News & Events

 

Customer Testimonials

"Thank you MPB for working with us to achieve the next step in our growth! Your customer service and banking products are top notch; I can't imagine banking anywhere else."

-Jerry Kleven, Owner Kleven Construction

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