Pacific Enterprise Bank
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Privacy Policy




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:

  • Social Security number
  • Account balances
  • Transaction history
  • Overdraft history
  • Account transactions
  • Checking account information 

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 Pacific Enterprise Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Pacific Enterprise 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.



For our marketing purposes to offer our products and services to you.


We don’t share

For joint marketing with other financial companies.


We don’t share

For our affiliates everyday business purposes- information about your transactions and experiences.


We don’t share

For our affiliates everyday business purposes- information about your credit worthiness.


We don’t share

For our nonaffiliates to market to you


We don’t share


What We Do

How does Pacific Enterprise 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 Pacific Enterprise Bank collect my personal information?     

We collect your personal information,for example, when you:

  • Open an account
  • Use your credit or debit card
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Show us your government-issued ID    

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 credit worthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you. 

State Law 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. Pacific Enterprise Bancorp 


Companies not related by common ownership or control.They can be financial and nonfinancial companies. Pacific Enterprise 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. Pacific Enterprise Bank doesn't jointly market. 


Other Important Information

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 law that apply to us.

    Questions? Call 949-623-7600 or visit our Contact Us page here
    A printable copy of our Privacy Policy is available by clicking here or by visiting our office located at 17748 Skypark Circle, Suite 100, Irvine, CA 92614.

Online Privacy Policy

Protecting customer information received through all of our service channels- at banking offices, via ATMs, by telephone, and through our Web site- is of the highest importance to us. 

At Pacific Enterprise Bank we understand that our customers (“you” or “your”) have an expectation that the personal information you provide to us is to be kept confidential.  Accordingly, we have a long-standing policy of protecting confidential information about you and your transactions.  Our privacy policy applies not only to written files, but also to personal information you provide us through transactions you conduct on-line, by telephone, or when you send us E-mail. 

Our Employees’ Access to and Use of Customer Information- Each of our employees has responsibility for maintaining the confidentiality of customer information.  We require all of our employees to agree in writing to protect the confidentiality of customer information and to use it only for our business purposes.  Our policy is to prohibit employees from accessing your personal information unless there is a business reason to do so.  Internal access and sharing of information about you within our various service units occurs to evaluate structure and facilitate the services you have requested or to inform you of other financial services that may be of interest to you.  We train our employees to recognize the importance of customer confidentiality.  Employees who violate these standards are subject to disciplinary measures. 

Our Security Procedures- We also take other steps to safeguard customer information by maintaining physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. 

Maintaining the Accuracy of Customer Information- We have procedures to see that customer information is maintained in a commercially reasonable manner so that it is accurate, current, and complete.  We also have procedures to see that requests to correct inaccurate or incomplete information are acted upon in a timely manner.  We maintain security standards and procedures to help prevent unauthorized access to confidential customer information, and we regularly review, test and update our technology and procedures to improve the security and accuracy of such information. We investigate your inquiries about information received from us (or from a credit bureau reflecting information we have provided) that you believe to be inaccurate and we take steps to correct information we determine to be incorrect. The accuracy of the information the Bank maintains is very important.  If you believe we have information about you that is incorrect, outdated or incomplete, or if the information you think is wrong appears on a statement or notice from us, you should call us at 949-623-7600 or the telephone number shown on the statement or notice.  We will look into the matter and correct our records as appropriate. 

Maintaining Confidentiality in Our Business Relationships with Other Companies- From time to time we contract with other businesses to perform specific services in support of our products. When it is necessary to provide confidential customer information to a third party, we require each business that we select to agree to adhere to the same privacy standards, laws and regulations that apply to us.  That is, we require such third parties to agree to safeguard non-public personal information regarding our customers in accordance with our own privacy policies. 

On-line Banking Security- At Pacific Enterprise Bank we take security very seriously.  The latest methods in Internet system security, as upgraded from time to time, are used to increase and monitor the integrity and security of our system.

Internet security does not rely on technology alone. Without everyone’s participation, all the security systems and technology in the world are worthless.  You must treat your User ID and password with the same care as a debit card and PIN.  In addition, you must make sure that no one is physically watching when you enter your password.  If you are logged in to the service be sure to log off of the service and exit the browser when you leave the computer unattended.  You should also take standard precautions to keep your system clean and free from viruses that could be used to capture password keystrokes and financial information.

If you should have additional questions regarding the security of our internet site, please contact us directly at 949-623-7600 or visit us at: Pacific Enterprise Bank 17748 Skypark Circle, Suite 100, Irvine, CA 92614.

This disclosure of our privacy policy applies to consumers.  We may make changes to this policy at any time.  All notices we furnish to you may be sent by mail addressed to the last address shown in our records for you or presented to you upon login to the online service within the time frames required under state or federal law. 

Children’s Online Privacy Protection Act- We do not knowingly collect or use personal information from children under 13 without obtaining verifiable consent from their parents.  We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.   While Pacific Enterprise Bank works to protect your personal information, you also have responsibilities.  We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link.

    • Internet safety for children- The internet is a public network.  Children’s access to the Internet can allow them to visit inappropriate websites and be exposed to unwanted risks. The Children’s Online Privacy Protection Act (COPPA), protects children under the age of 13 from the online collection of personal information.  Learn more about COPPA on the Federal Trade Commission’s website.  Parents can be proactive by installing filtering software that gives them more control over their family’s Internet experience.
    • Cyber ethics for children- Cyber ethics is the practice of being a good citizen on the Internet superhighway. Kids should understand the rules of the road, too.  Learn more by visiting the U.S. Department of Justice’s kids and youth Web site.


Cookies & Do Not Track
“Cookies” are a technology that can collect, store and sometimes track information.  A cookie is a small data file that can be placed on your hard drive when you visit certain websites.  We may use cookies in this manner.  If you wish, you may modify your browser to disable cookies, including session cookies.

In the device or browser program you use you may choose certain security or privacy settings (including disabling cookies or using Do Not Track or similar mechanisms) to restrict the collection of personally identifiable information about you by us or other websites or online services you may access through our website.  Each device and each browser is different, so look at your device Settings or your browser Help menu to identify the correct way to modify your cookies or Do Not Track settings.  Please note that if you turn cookies off or use do not track settings, you may limit the ease with which you may be able to navigate websites and some website features may not function properly.  For a description of Do Not Track protocols for browsers and mobile devices, or simply to learn more about the choices available to you, you can visit the All About Do Not Track website: .

By accessing this site, you agree to these Privacy Principles. If you do not agree, please do not use our site.  These Privacy Principles do not modify or supplement any existing agreement we may have with you and is not intended to be incorporated as part of any future agreement with us.

Notice of Changes
The bank may update this Privacy Policy from time to time.  If we make any material change to this Statement or in how we use your personally identifiable information, we will prominently post such change prior to implementing it.

The above information represents the Bank’s Privacy Policies Statement effective as of 04/01/2011.  These Privacy Policies apply to individuals, and we reserve the right to change them, along with related provisions, at any time. 

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