Xenith Bank

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Privacy Policy


Revised 01/2017





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 payment history
  • Credit history and credit scores


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


Reasons we can share your personal information

Does Xenith 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

Yes Yes

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes No

For our affiliates’ everyday business purposes – information about your creditworthiness

Yes Yes

For our affiliates to market to you





For nonaffiliates to market to you Yes Yes



Call us toll free at 1-866-867-8500.


Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.



Call toll free 1-866-867-8500 or visit us online: XenithBank.com and click the Contact Us link.


 Who we are

Who is providing this notice? Xenith Bank and its Affiliates.


 What we do

How does Xenith 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, secured files, and building security.

How does Xenith Bank collect my personal information?

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


  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card


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 nonaffiliates to market to you


State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.




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


  • Our affiliates include companies with a common corporate identity of Xenith Bankshares, Inc.; divisions of the Bank using trade names such as Xenith Bank and Shore Premier Finance.

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


  • Nonaffiliates we share with can include insurance companies and marine brokers.
Joint marketing

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


  • Our joint marketing companies can include credit card issuance and servicing companies.