Reminder: We will never ask you for your password or multi factor authentication (MFA) code. If you receive a call that asks for that information, please hang up and call the bank directly.
To help ensure a smooth transition, we're extending our phone hours. Lobby hours are NOT extended.
Extended Phone Hours: Monday, October 26 - Wednesday, October 28: 7:00 am - 6:00 pm. Please reach out with any questions: 608-836-1616.
The below Privacy Notice is intended to describe how we collect, maintain, and disclose customer information. This Privacy Notice may be amended from time to time at our discretion. The Mobile Privacy Policy can be found here. If you have any questions, comments or concerns about the Privacy Notice or the Mobile Privacy Policy, please contact us at 710 North High Point Road, Madison, Wisconsin or call us at (608) 836-1616.
Rev. April 2025
| Facts | What does Capitol Bank do with your personal information? |
|---|---|
| Why? |
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. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
| How? |
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 Capitol Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Capitol 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 Do Not Share |
|
For our affiliates’ everyday business purposes— information about your transactions and experiences |
No | We Do Not Share |
|
For our affiliates’ everyday business purposes— information about your creditworthiness |
No | We Do Not Share |
| For affiliates to market to you | No | We Do Not Share |
| For nonaffiliates to market to you | No | We Do Not Share |
| Questions? |
Call 608-836-1616 or go to www.capitol.bank. |
|---|
| What we do | |
|---|---|
| How does Capitol 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 Capitol Bank collect my personal information? |
We collect your personal information, for example, when you:
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
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| What happens when I limit sharing for an account I hold jointly with someone else? | |
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies. Capitol Bank does not share with our affiliates. |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Capitol Bank does not share with nonaffiliates so they can market to you. |
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Capitol Bank doesn't jointly market. |
| Other important information | |
|---|---|
|
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. |
Click here to view a PDF of our privacy statement.
To view our cookie policy and Opt-Out instructions, click here.
Capitol Bank Mobile Banking (the “App”) – powered by Fiserv – helps you manage your money, control your credit and/or debit cards, and view your transactions and accounts, all on your mobile device, making it easy to manage your finances on the go.
The App allows you to:
This Mobile Privacy Policy, in combination with relevant privacy notices that Capitol Bank provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal information that Capitol Bank and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”). You can find more information about Capitol Bank’s privacy policies and the specific capabilities of the Services available to you on Capitol Bank’s website or by contacting Capitol Bank.
The App may collect personal information from you in the following ways:
(a) Personal Information You and/or Capitol Bank Provide to Fiserv.
(b) Personal Information Collected from Third Parties. The App may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
Device data, including your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state, or geographic area.
Online activity data, including pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, the App will collect your location information when you use the Services (for example, to provide our fraud detection services). If you do not want the App to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your mobile device
(a) General Use. In general, the App uses your personal information to respond to the requests you submit through the Services, to provide you the Services you request, and to help serve you better. The App uses your personal information in the following ways:
(b) Compliance and Protection. We may use your personal information for the purpose of:
complying with applicable laws or lawful requests and legal process, such as having to respond to subpoenas or requests from government authorities;
protecting our, your, or others’ rights, privacy, safety, or property (including by making and defending legal claims);
auditing our internal processes for compliance with legal and contractual requirements and internal policies;
enforcing the terms and conditions that govern the Services; and
preventing, identifying, investigating, and deterring fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain personally-identifiable information (such as your name). The App may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance the App’s products and services. Capitol Bank reserves the right to use and disclose non-identifiable information to third parties in its discretion.
The App discloses your personal information as described below.
(a) At the Direction of Capitol Bank. The App may share your information with Capitol Bank or with third parties at the direction of Capitol Bank. Other than as described in this Mobile Privacy Policy in connection with the App, this Mobile Privacy Policy does not apply to the processing of your information by Capitol Bank or third parties with whom the App shares information at Capitol Bank’s direction.
(b) Third Party Service Providers. The App may share your personal information with third party or affiliated service providers that perform services for or on behalf of the App, for the purposes described in this Mobile Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services associated with the App.
(c) Corporate Restructuring. The App may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition, or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of Capitol Bank’s business or assets.. If the App’s company, business, or assets is acquired by another company, that company will possess the personal information collected by the App and the company will assume the rights and obligations regarding your personal information as described in this Mobile Privacy Policy.
(d) Authorities and Others. Regardless of any choices you make regarding your personal information, the App may disclose your personal information to law enforcement, government authorities, and private parties, as required, to ensure compliance and/or protective services, as described above.
The App may contain links to third party websites or applications. When you click on a link to any other website, application, or location, you will leave the App and go to another site or application and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website, application, or location is for your convenience and does not signify Capitol Bank’s endorsement of such other website, application, or location or their respective contents. Capitol Bank has no control over, does not review, and cannot be responsible for, these outside websites and applications or their content. Please be aware that the terms of this Mobile Privacy Policy do not apply to these outside websites or applications. We encourage you to read the privacy notice of every website and application you visit.
You have several choices regarding use of information on the Services.
(a) How We Respond to “Do Not Track” Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. Capitol Bank currently does not take action in response to these signals. If and when a standard is established, Capitol Bank may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. To take any of these actions, or for any additional requests, you should contact Capitol Bank.
(c) Opting Out of Email or SMS Communications. If you have signed up to receive our email marketing communications, you can unsubscribe at any time by clicking on the “unsubscribe from this list” link included at the bottom of the email. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under the “Contact Us” section below. If you provide your phone number through the Services, we may send you notifications by SMS, such as providing a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. 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 the App’s collection of location information, you may no longer be able to use some features of the App.
Capitol Bank implements reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss, and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and Capitol Bank cannot guarantee the security of your information.
Federal laws and regulations require that U.S. financial institutions retain original, active, and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations, and legitimate business needs.
The Services are not directed towards individuals under the age of 18, and the App does not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to the App and Capitol Bank learns that such information is that of a child under 18, Capitol Bank will attempt to delete the information as soon as possible.
This Mobile Privacy Policy is subject to occasional revision. Capitol Bank will notify you of any material changes in the App’s collection, use, or disclosure of your personal information by posting a notice on the Services/App. Any material changes to this Mobile Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services/App. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify Capitol Bank that you wish to deactivate your account, prior to the effective date of such changes. Continued use of the Services following notice of any such changes (or use of the Services after any such changes) shall indicate your acknowledgement of and agreement to such changes.
If you have any questions or complaints about this Mobile Privacy Policy or the App’s data collection or processing practices, or if you want to report any security violations to the App, please contact the App either by email, at info@capitol.bank, or by mail, at Capitol Bank, 710 N. High Point Rd. Madison, WI 53717.
