FRAUD ALERT: Armed with information obtained on the dark web, fraudsters are calling consumers with their debit card or credit card numbers in hand. They are using that information to convince customers to provide the three-digit CVC security code from their card over the phone. As a reminder, Reading Cooperative Bank will never call, email or text asking for your personal information, your password or PIN numbers, or threaten to cancel or close your account.

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Online & Mobile Banking Privacy Policy

Last updated: March 2026

Reading Cooperative Bank (“RCB,” “we,” “us,” or “our”) is committed to protecting your personal information when you use our Online Banking, Mobile Banking application, Card Manager, and related digital services (“Services”). This Online & Mobile Banking Privacy Policy explains how we collect, use, share, and protect your information, as well as your responsibilities when accessing our digital platforms. This Policy supplements and does not replace RCB's GLBA Privacy Notice. In the event of conflict, the Privacy Notice governs.

1. Information We Collect

Personal Information You Provide

When you enroll in or use our Services, we may collect information such as:

  • Social Security number and income
  • Account balances
  • Transaction and payment history
  • Credit history and credit scores
  • Name and address

Automatically Collected Information

When using Online or Mobile Banking, we may collect:

  • Device information such as model, operating system, browser, and app version
  • Usage information such as login timestamps, feature usage, and error logs
  • Location data is collected only with affirmative consent, retained only as necessary, and not used for marketing.
  • Cookie, analytics, and tracking information related to website and app performance

Card Manager Information

If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

2. How We Use Your Information

We use information collected through our Services to:

  • Provide Online, Mobile, and Card Manager Banking features
  • Process transactions and maintain your accounts
  • Detect and prevent fraud
  • Comply with legal and regulatory requirements
  • Communicate important account information
  • Improve system performance, security, and user experience
  • Support customer service and technical assistance

3. How We Share Your Information

We share your information only as permitted or required by law, including:

  • With service providers supporting our operations
  • For everyday business purposes such as processing transactions
  • With joint marketing partners
  • With government agencies or regulators when required
  • To protect against fraud or unauthorized transactions

We do not sell customer information or share it with nonaffiliates for marketing.

4. User Responsibilities & Device Security

To help protect your information, you are responsible for:

  • Keeping login credentials confidential
  • Maintaining updated antivirus and security software
  • Keeping your device’s operating system and apps current
  • Avoiding the use of jail‑broken or modified devices
  • Using caution on public or shared devices
  • Notifying the bank immediately if your device or credentials are compromised

5. Alerts and Communications

If you enroll in text or email alerts:

  • Alerts may contain sensitive information
  • Alerts may be delayed or misdirected due to external factors
  • Standard data and messaging rates may apply
  • You must keep your contact information current

Alerts are a convenience tool and should not be your sole means of monitoring account activity.

6. Mobile Check Deposit Information Handling

When using Mobile Check Deposit, you agree to:

  • Deposit only eligible checks
  • Ensure images are accurate and unaltered
  • Retain original checks for 15 days before destruction
  • Not re‑deposit items already submitted
  • Understand that items may be rejected or reversed if ineligible

7. Third‑Party Services

Some features rely on third‑party services such as:

  • Google Maps for location-based features
  • Mobile OS providers for permissions and app functionality
  • App stores for diagnostic or usage data

Use of such services is subject to their separate privacy policies and terms.

8. Data Transmission and Security

While we employ multiple layers of security, please be aware:

  • Electronic transmissions may not always be secure
  • Information may be delayed or affected by service providers
  • RCB cannot guarantee error-free, uninterrupted access

We recommend using secure networks and keeping devices updated.

9. Accuracy of Account Information Displayed

Balances and transaction information displayed through Online or Mobile Banking may not always reflect real-time data. You should verify transactions when accuracy is essential.

10. Unauthorized Access & Fraud Prevention

Notify us immediately if:

  • You believe your credentials have been compromised
  • You notice unauthorized activity
  • Your mobile device is lost or stolen

Prompt notification reduces your liability and allows us to take protective measures.

11. Confidentiality and Legal Disclosures

We restrict access to your information to authorized personnel and service providers. We may disclose information only when necessary to:

  • Complete transactions
  • Comply with legal or regulatory requirements
  • Respond to law enforcement or court orders
  • Support fraud prevention
  • Verify account information

If an unauthorized disclosure occurs, we will notify you in accordance with applicable laws.

12. Changes to This Policy

We may update this policy periodically. Updates will be posted with a new effective date. Continued use of the Services constitutes acceptance of updated terms.

13. Contact Us

Reading Cooperative Bank
180 Haven Street
Reading, MA 01867
Phone: 781‑942‑5000
Website: www.readingcoop.com

This policy supplements Reading Cooperative Bank’s full Privacy Notice, which explains how the bank collects, uses, shares, and protects your nonpublic personal information. You may review the full Privacy Notice on our website or contact us at 781‑942‑5000.

14. Other Policy Links

  1. For our Privacy Disclaimer, please click here.
  2. For our Website Privacy Policy, please click here.
  3. For our Terms of Service, please click here.
  4. For our Terms of Use, please click here.
  5. For our Cookie Policy, please click here.
  6. For our Security Best Practices, please click here.

To adjust your Privacy Settings, please click here.