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Privacy Statement





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
  • Account balances
  • Account Transactions
  • Transaction history
  • Account Information
  • Overdraft History
  • Income
  • Credit History
  • 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 Liberty Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Liberty Bank Share?

Can you limit this sharing?

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For non-affiliates to market to you No We don't share



Call 650-871-2400 or go to


What we do

How does Liberty 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Liberty Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Apply for a Loan
  • Pay your bills
  • Use your debit card
  • Make a wire transfer
  • Show your government-issued ID
  • Make deposits or withdrawals

We also collect your personal information from others, such as credit bureaus, affiliates 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 non-affiliatesto market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.





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

  • Liberty Bank does not share with affiliates.


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

  • Liberty Bank does not share with non-affiliatesso they can not market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Liberty Bank does not jointly market.


Other Important Information

For California Customers. We will not share personal information with non-affiliateseither for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you and our affiliates to comply with all California privacy laws that apply to us.


California Consumer Privacy Act ("CCPA")

Liberty Bank  is exempt from the CCPA as it does not buy, receive for the business's commercial purposes, sell or share for commercial purposes, alone or in combination, the personal information of 50,000 or more consumers, households, or devices based in California.


Requests for Information:

Effective January 1, 2020, all requests for information on the CCPA or questions regarding the Bank's compliance with the CCPA must be directed to

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Confidentiality and Security

Liberty Bank restricts access to confidential information to those employees who need to know that information to provide products or services to our customers. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard all confidential information.

Special Information Applicable to Electronic (Internet) Banking

Liberty Bank's "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e. Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Liberty Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

To better serve legitimate Internet Banking customers:

Liberty Bank collects generic information about visitors to our website, through the use of "cookies" placed on the visitor's computer hard drive. These cookies tie certain information we may track, such as the date and time of access, the activities in which the visitor engages while on our website, the Internet service provider's address, the web browser used, and other information.

Liberty Bank requires customers to utilize specific passwords for access to confidential and private information. Liberty Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

Liberty Bank utilizes encryption, firewall, router, third party verification procedures, and other sophisticated security software and hardware to help prevent unauthorized access to customer's confidential and private information. However, no one can guarantee that all of these measures will prevent unauthorized access to our data processing system and the data therein.

Liberty Bank utilizes up-to-date computer virus protection software to help prevent the spread of computer viruses. However, we cannot guarantee that we will be able to prevent computer viruses from being spread to those who access our website.

Liberty Bank utilizes "cookies" to help authenticate our customer's identities and to help facilitate the exchange of information between Liberty Bank systems and our customer's systems.

Liberty Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Liberty Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Liberty Bank customers believe that confidential and private information has been compromised, please contact Liberty Bank immediately so that the potential breach can be investigated.

Comments or Complaints by Customers

Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

Marshell Montgomery
Senior Vice President, Director of Compliance & Risk Management
Liberty Bank
500 Linden Avenue
South San Francisco, CA. 94080
650.871.2400 x202
Email Us!

Liberty Bank discourages providing confidential sensitive consumer or business related information via email. Please use secure email channels when transmitting sensitive consumer business information.

Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

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Secure Access and Verifying User Authenticity

To begin a session with the bank's server, the user must key in a Login ID, a password, and a random code. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to verify the password before re-entry in the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128 bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your online banking transactions are secure.

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Lost ATM/Debit Card Information

If your Liberty Bank ATM / Debit Card is lost or stolen, please contact our Central Operations Support Department during bank hours at (650) 871-2400 immediately to report or call Fiserv Card Processing Center at (800) 472-3272 after hours or weekends.

Why are some transactions declined?


If a counterfeit copy of your card is detected, we block your card number and immediately contact you via phone. A new replacement card will be issued and expedited to you.


If an area, outside our normal service area, becomes overwhelmed with fraudulent transactions, we sometimes place temporary restrictions on card usage until the "high activity" subsides. Restrictions may include allowing only ATM access, only ATM and Debit, or No Transactions allowed, depending on the type of fraud.


Unfortunately, not all fraudulent attempts are caught and blocked. If a fraudulent transaction posts to your account it will affect your available balance - just like any other transaction would.

  • What if I get declined?
  1. Try again choosing Debit as the transaction type (PIN Required). Debit card transactions will not incur a transaction fee unless they are done at a foreign ATM machine.
  2. Try using an ATM, as it will display a reason for denial code.
  3. Immediately contact us for assistance.
  • How do areas of "high" fraud activity affect everyone's card usage?

If an area, outside our normal service area, becomes overwhelmed with fraudulent transactions, it may be flagged as a Restricted Area Location. Restrictions affect all cardholders and are avoided if at all possible. Limiting cards to only allow PIN based transactions is often required. These types of restrictions will be removed when it is prudent to do so.

  • What areas are currently restricted?

We generally don't restrict any areas. As "High Fraud Activity" hits and subsides, we adjust card restrictions accordingly. The current restrictions listed below may change at any time:


ID Theft Resources

No matter how careful you are, you can still become a victim of identity theft. Identity theft continues to be one of the fastest growing, most sophisticated crimes in the U.S. NEVER share your username, password or any other confidential information with anyone. Never reply to email, pop-up messages or phone callers that ask for your personal or financial information. LIBERTY BANK WILL NEVER ask you to disclose your password or pin.

Liberty Bank has partnered with Deluxe, our check vendor, to provide a tool, Deluxe ID TheftBlock Service, to help you minimize the effects of identity theft by providing proactive credit monitoring, on-line credit report access, security alerts, check order screening, fraud prevention e-newsletters, and expense reimbursements for qualified losses. For more information on Deluxe ID TheftBlock Service, please click on the following link:

Deluxe ID Ezshield Theftblock Service

Alert A Credit Bureau With Your Concerns

If you suspect you might be a victim of identity theft, contact the three major credit bureaus below to place a fraud alert on your credit file. You can also order a credit report to identify unauthorized activity.










  • To report a suspicious e-mail that uses Liberty Bank's name, forward it to us at
  • If you suspect fraudulent activity on your account, please e-mail us at or call us at 800.675.1776

Liberty Bank discourages providing confidential sensitive consumer or business related information via email. Please use secure email channels when transmitting sensitive consumer business information.

By clicking the above websites, you will be taken to a website not affiliated with Liberty Bank and may offer a different Privacy Policy and levels of security. Please refer to the Terms of Use and Privacy Policy of their external website. Liberty Bank is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites.

rev. 12-2019

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