Privacy Policy




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.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Income
  • Account balances and Overdraft history
  • Credit history and Payment history

When you are no longer our customer, we continue to share your information as described in this notice.


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 US Metro Bank chooses to share; and whether you can limit this sharing.

Questions? Call 714-620-8888 or go to

Who we are

US Metro Bank

How does US Metro Bank protect my personal 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.

We authorize our employees to get your information only when they need it to do their work. We require companies that work for us to protect your information.

How does US Metro Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Make deposits or withdrawals
  • Provide personal information such as government issued ID

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 only:

  • sharing for affiliates’ everyday business purposes – 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.



Companies related by common ownership or control. They can be financial and non-financial companies.

  • US Metro Bank does not share with affiliates.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • US Metro Bank does not share with nonaffiliates so they can market to you.

Joint Meeting

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • US Metro Bank does not engage in joint marketing.

Other Important Information

Information about California Consumer Privacy Act ("CCPA")


Last Updated: December 28, 2022


This Privacy Notice for California Residents (this “Notice”) applies solely to residents of the State of California (“consumers” or “you”) and supplements the information contained in any other Privacy Statement or Notice provided by US Metro Bank (“Bank”, “our” or “we”). This Notice is adopted to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and as amended, the California Privacy Rights Act of 2020 (collectively, “CPRA”). This Notice describes how US Metro Bank collects, uses, and discloses information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”). The information on this page complements the notices and disclosures regarding your rights under federal laws and regulations (e.g., the Gramm-Leach-Bliley Act). For more information, please visit

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.


We may collect, for our business purposes, certain personal information to provide financial products and services, and for employment purposes. In the past 12 months, we may have collected and disclosed:



Personal Identifiers

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, state or government issued individual license number or other similar identifiers.

Personal Information categories listed in the California Customer Records Statute (Cal. Civ. Code § 1798.80 (e))

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information

Characteristics of Protected Classes under California or Federal law

Age, race, color, ancestry, national origin, characteristics such as sex and marital status; medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Commercial Information

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Biometric Information

Genetic, physiological, behavioral and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, and voiceprints, iris, or retina scans, keystroke, gait, or other physical patterns and sleep, health, or exercise data.

Internet or other similar network activity

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.

Geolocation Information

Physical location, movements, device location, location based on IP address.

Sensory Information

Audio, electronic, visual, thermal, olfactory, or similar information.

Professional or employment-related information

Current or past job history, prior employer or performance evaluations.

Non-public education information

Education records directly related to a student and maintained by an educational agency or institution or by a party acting for the agency or institution.

Inferences drawn from other personal information

Drawn from any of the Personal Data listed above to create a profile about a California resident reflecting their preferences, characteristics, psychological trends, predispositions, behavior, and attitudes, intelligence, abilities, and aptitudes.


Sensitive Personal Information: We may also collected and disclosed any information in the following categories that reveals

Sensitive Personal Information

Any information in the following categories that reveals

          A California resident’s Social Security, driver’s license, state identification card, or passport number

          A California resident’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account

          A California resident’s precise geolocation

          The processing of biometric information for the purpose of uniquely identifying a California resident

          Personal Data collected and analyzed concerning a California resident’s health.

          Data regarding payments for health services

          Data relating to criminal convictions and offenses



The categories of sources from whom we collected this Personal Information are:

·         Directly from a California resident or the individual’s representatives through paper applications, telephone, or electronic means.

·         Service Providers and other third parties to provide products and services or process transactions requested by you, or transfers of sales and assets.

·         Public Record Sources (Federal, State or Local Government Sources)

·         Information from Corporate Clients about individuals associated with the Clients (e.g., an employee or board member)

·         Outside companies we used to support Human Resources and workforce management activities


In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:

·         Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services.

·         Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

·         Short-term, transient use where the information is not disclosed to a third party and is not used to build a profile or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.

·         Auditing related to a current interaction and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.

·         Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.

·         Debugging to identify and repair errors that impair existing intended functionality.

·         Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions)


In the past 12 months, we have not “sold” Personal Information subject to the CCPA, including Personal Information of minors under the age of 16. For purposes of this Disclosure, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.  We also have not share your personal information with third parties for cross-context behavioral advertising


The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy disclosure are:

·         Vendors and Service Providers who provide services such as information technology and related infrastructure, customer service, email delivery, and auditing

·         Partners and Third Parties who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who promote the bank and its financial services and products to customers and other prospective buyers

·         Other Third Parties who enable customers to conduct business online and via mobile devices

·         Government Agencies as required by laws and regulations

·         Outside companies in connection with routine or required reporting, including consumer reporting agencies



Right To Know

You have the right, subject to certain exceptions defined in the CPRA and other applicable laws and regulations, to request that US Metro Bank disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

·         The categories of personal information we collected about you.

·         The categories of sources for the personal information we collected about you.

·         The business or commercial purpose for collecting, selling, or sharing the personal information.

·         The categories of third parties with whom we disclose that personal information.

·         The categories of personal information that each recipient received.

·         The specific pieces of personal information we collected about you.

You have the right to receive this information in a format, to the extent technically feasible, that is portable, usable, and allows you to transmit the personal information to a person without impediment, where the processing is carried out by automated means.

Right to Request Deletion

You have the right, subject to certain exceptions defined in the CPRA and other applicable laws and regulations, to request that US Metro Bank delete any of your personal information that we collected from you and retained. Once we receive and confirm your verifiable consumer request we will delete (and direct the recipients of your personal information to delete) your personal information from our records.

Right to Correct Your Personal Information

You have the right, subject to certain exceptions defined in the CPRA and other applicable laws and regulations, to submit a request to correct any inaccurate personal information that we may have about you.


You may only make a verifiable consumer request for access twice within a 12-month period.

If you are a California resident, you may submit a request by:


       Calling  714-620-8888

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will generally verify your identity by asking you to provide personal information related to your recent interactions with us. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Requests by Authorized Agents

You may exercise your privacy rights through an authorized agent. If we receive your request from an authorized agent, we may ask for evidence that you have provided such agent with a power of attorney or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf.


You have the right not to be discriminated against for exercising any of your privacy rights. This includes us not: (a) denying you goods or services; (b) charging you different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; (c) providing you a different level or quality of goods or services; (d) suggesting to you that you will receive a different price or rate for goods or services or a different level or quality of goods or services; and (e) retaliating against you for exercising your privacy rights.


Privacy and data protection laws, other than the CCPA, apply to much of the Personal Data that we collect, use, and disclose. When these laws apply, Personal Data may be exempt from, or outside the scope of, Access Requests and Deletion Requests. For example, information subject to certain federal privacy laws, such as the Gramm-Leach-Bliley Act or the Health Insurance Portability and Accountability, is exempt from CCPA Requests. As a result, in some instances, we may decline all or part of an Access Request or Deletion Request related to Personal Data exempt from CCPA Requests. This means that we may not provide some or all of this Personal Data when you make an Access Request. Also, we may not delete some or all of this Personal Data when you make a Deletion Request.


You may contact us with questions or concerns about this Disclosure and our practices by:

Writing us at:

US Metro Bank

Attn: Compliance

9866 Garden Grove Blvd.

Garden Grove, CA 92844


Calling us at 714-620-8888


We may change or update this Disclosure from time to time. When we do, we will post the revised Disclosure on this page with a new “Last Updated” date.