Loan Application Information

Before beginning the application process, make sure that you have the following available:

• Your Social Security number, date of birth, military address, and your phone number
• Your most recent pay statement with your base/regular pay and housing allowance
• The amount and source of any additional income (i.e. rental income, retirement pay, etc.) you would like considered
• If you are applying with a co-applicant, you'll need the above information for them as well, along with the name of their current employer, present position, length of time with employer, and end of employment date
• Your Community Bank account information

The online loan application process generally follows the steps below, and takes approximately 15 minutes.

1. E-Sign Disclosure and Consent —In this section you are instructed to review the disclosure and consent pursuant to the federal eSIGN Act. Click Here to print or download a copy of the disclosure for your files. Note that the check box will not be available until after the disclosure is opened and viewed.
2. Applicant, Banking Center Selection, and Loan Product Information —Here we will collect some of your personal and contact information. You will also need to indicate the type and purpose of loan desired, as well as select the Community Bank banking center location at which you would like to close on your loan.
3. Applicant Identification, Address, Employment and Income Information —In this section, we will ask for additional personal information. Community Bank is required by federal law to obtain, verify, and record information that identifies each customer who opens an account with us. When you open an account with us, we will ask for your name, address, contact and other information that will allow us to identify you. We will also ask you to provide your employment and income information, which includes your employer information, monthly regular salary, and any other any other income you would like to include in the application; such as stateside rental income, retirement, etc.
4. Identity Authentication Questions —Once your personal information is entered into the application, the system will perform an identity authentication check by asking you a series of multiple choice questions pertaining to your credit and address history.
5. Co—Applicant Information —If you are applying with a co—applicant (who must also be an authorized Community Bank customer), their personal information including Social Security Number, date of birth, address, phone numbers, and any income (such as their base pay) that should be considered in the application will also be needed.
6. Additional Loan and Automatic Payment Information —On the type of loan you select, we'll need the details of your request, including the amount, the number of payments, and if you would like to set up an automatic deduction of your loan payments from a Community Bank Checking or Savings Account.
7. Submit Application —After a loan application is submitted, you will receive an email response of the decision rendered.

To be eligible for full banking services at Community Bank, you must meet at least one of the requirements below:

• Active duty U.S. Military permanently stationed or on TDY orders greater than 180 days in a country serviced by Community Bank
• U.S. Military Reservist on TDY orders greater than 180 days in a country serviced by Community Bank
• DoD civilian employee or contractor who is a U.S. citizen, residing in a country serviced by Community Bank
• U.S. citizen who is an employee of any other U.S. Government department, agency, or Non-appropriated Fund Instrumentality carrying out functions on a DoD installation in a country serviced by Community Bank.
• Sponsored family member of such military or civilian employee listed above.

In addition, DoD Component Commands may approve banking services for other individuals when they qualify for individual logistic support under regulations of the appropriate military service, which is not precluded by Status of Forces Agreement (SOFA), other intergovernmental agreements, or hosting country or local law.

Community Bank is a Department of Defense owned banking program operated through a contract with a commercial financial institution. The Defense Finance and Accounting Service, in coordination with the Military Service banking representatives, is responsible for the oversight and management of Community Bank. Community Bank is referred to as "Community Bank" "the Bank" "we" or "us" within this policy.

Navy Federal Credit Union currently operates Community Bank under a contract with the Defense Finance and Accounting Service. In accordance with that contract, Community Bank may be identified as "Community Bank, Operated by Navy Federal Credit Union". Nevertheless, your relationship is with Community Bank, not Navy Federal Credit Union. Additionally, neither this policy nor other documents associated with your account(s) at Community Bank create a contractual, fiduciary, quasi-fiduciary or special relationship between you and Navy Federal Credit Union. Community Bank values your privacy and is committed to protecting the information you provide us. The Privacy Policy, effective June 10, 2019, explains how we may collect information from you when you visit our online applications. Customer information means personally identifiable information about a consumer.

Important Information Related to EU Data Protection

Community Bank recognizes the importance of maintaining the privacy of individual information in compliance with applicable legal and regulatory requirements. Our EU Privacy Notice outlines how Community Bank in the European Union collects, uses, processes, and shares personal information as well as the rights individuals may have in relation to our use of that information. To review a copy of the EU Privacy Notice, please click here.

Protecting Information About You From Marketers Outside Community Bank

Community Bank does not sell or share any customer information with marketers outside Community Bank, who may want to offer you their own products and services. You don't need to take any action for this benefit.

Making the Security of Information a Priority

Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect customer information. Personnel are authorized to access customer information only when they need it to provide you with accounts and services or to maintain your accounts. Our personnel are bound by a code of ethics that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

Collecting Information

When you visit our website, we may collect the following information in order to service your accounts, save you time and money, and better respond to your needs:

• Information that you provide to us online in applications and through other means. Examples include your assets, income, and debt.
• Information about your online transactions and account experience, as well as information about our online communications with you. Examples include your activity on the website, such as account balances, payment history, parties to transactions and requests for copies of checks and our responses.
• Information from a consumer report. Examples include your creditworthiness and credit history.
• Information from outside sources regarding your employment, credit, and other relationships with you or verifying representations made by you. Examples include your employment history, loan balances, and credit card balances.
• We may also collect information online through cookies, which are pieces of information stored directly on the computer you are using. Cookies can contain a variety of information, such as a simple count of how often you visit a website or information that allows customization of a website for your use. Community Bank uses cookies to display information more effectively to you and to gather data about the usage of our website. Any time a cookie is used, personal information is encrypted for our use only and protected from third party access.
• Information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining your eligibility for a product or service.

Managing Information With Companies That Work for Us

We do not sell or share customer information with marketers outside Community Bank who may want to offer you their own products and services. We may share any customer information outlined in this policy with our family of companies and/or companies that work for us. All companies that act on our behalf are contractually obligated to keep the information we provide to them confidential, and to use the customer information we share only to provide the services we ask them to perform for you and us. These companies may include financial service providers such as payment processing companies, and non-financial companies such as check printing and data processing companies. These companies might assist us, for example, in processing your transactions, mailing account statements and fulfilling your service requests.

Disclosing Information in Other Situations

We also may share customer information we collect about you with credit bureaus and similar organizations, and when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, to companies that process your requests for products or services, or the sale of your account to another financial institution. We may also share customer information outside Community Bank if we have your consent.

Making Sure Information is Accurate

Keeping your account information accurate and up to date is very important. You have access to your account information through various means, such as account statements, telephone banking, online banking, mobile banking, and in response to specific requests. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records or other documentation. We will promptly update or correct any erroneous information. If you have questions or feel that we have not handled information about you properly, please contact our Customer Service center, and we will investigate your inquiry or complaint.

Changes to the Privacy Policy

If changes are made to the Privacy Policy or any material changes to our online services, we will revise the Privacy Policy to reflect such changes and revise the policy's effective date. Following these changes, your use of dodcommunitybank.com, a Community Bank mobile application, or other sites or consumer applications owned and operated for the purposes of operating the Military Banking contract, means that you accept the revised notice.

Cookie Policy Introduction

Community Bank (“we” or “us” or “our”) may use cookies, web beacons, tracking pixels, and other tracking technologies when you visit our website https://www.dodcommunitybank.com/ including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the “Site”) to help customize the Site and improve your experience.

You are encouraged to periodically review this Cookie Policy to stay informed of updates. In the following we would like to inform you about the processing of your personal data through the use of cookies.

Use of Cookies

A “cookie” is a string of information which assigns you a unique identifier that we store on your computer. Your browser then provides that unique identifier to use each time you submit a query to the Site. By using cookies, we receive certain information. We use cookies on the Site to keep track of the pages you visit; this helps us understand how the Site is being used and improve your user experience. We also use cookies to identify you for subsequent visits to record your previous choice about your selection of cookies.

This website uses the following types of cookies, the scope and functionality of which are explained below:

Types of Cookies

The following are types of cookies that are used on our Site:

1. First Party Cookies
   “First-party cookies”, are stored by the domain (website) you are visiting directly. They can be either permanent or temporary. These are usually necessary cookies, without which a Site won't work properly or be able to provide certain features and functionalities. Some of these may be manually disabled in your browser (see Control of Cookies section below), but may affect the functionality of the Site.
2. Transient cookies
   These session cookies store a so-called session ID, which can be used to assign various requests from your browser to the shared session. This enables your computer to be recognized when you return to our website. The session cookies are deleted when you log out or close your browser.
3. Persistent cookies
   These cookies are automatically deleted after a specified period, which may vary depending on the cookie. You can delete the cookies at any time in the security settings of your browser.
4. Security Cookies
   Security cookies are temporary cookies that help identify and prevent security risks. The purpose of the secure flag is to prevent cookies from being observed by unauthorized parties due to the transmission of the cookie in clear text.
   1. Hypertext Preprocessor (PHP) Sessions
      The PHP session is a way to store information within our Site to be used across multiple pages on the Community Bank site.
5. Third-Party Cookies
   

   Some of the cookies we use are provided by external providers. We also use web beacons / pixel tags on the Site to help customize the Site and improve your experience. A “web beacon” or “pixel tag” is a tiny object or image embedded in a web page or email. They are used to track statistical data. They collect only a limited set of data, such as time, date of page view, and a description of the page on which they reside. In the following, the individual technologies of external providers on our website are described. It is also pointed out, how you can object to the respective cookies or the corresponding technology. You can also reject the acceptance of third-party cookies via your browser settings. Web beacons and pixel tags can be declined through the Cookie Policy pop-up or through your web browser (see Control of Cookies section below). However, if you choose this option you may not be able to use all the functions of our website.

   1. Google Analytics
      

      This website uses Google Analytics, a web analysis service of Google Ireland Limited. Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how users interact with the site. The information generated by the cookie about your use of this website is usually transferred to a Google server in the USA and stored there.  IP masking is activated on this website, therefore Google will reduce your IP address within Member States of the European Union or in other states party to the Agreement on the European Economic Area beforehand. The IP address transmitted by your browser in the context of Google Analytics is not merged with other Google data. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide the website operator with other services related to website and Internet use. Google is also certified under the EU-US Privacy Shield. The data sent by us and linked to cookies, user-identifiers (e.g. User-IDs) or advertising-identifiers are automatically deleted after 14 months. Data whose retention period has been reached is automatically deleted once a month. You can prevent the storage of cookies in the settings of your browser software accordingly; however, we would like to point out that in this case you may not be able to use all functionalities of this website to their full extent. You can also prevent Google from collecting the data generated by the cookie and relating to your use of the website and from processing this data by Google by downloading and installing the https://tools.google.com/dlpage/gaoptout?hl=en  Opt-out cookies will prevent future collection of your data when you visit this website. To prevent Universal Analytics from collecting data across different devices, you must opt-out on all systems used. For more information on terms of use and data protection, please visit www.google.com/analytics/terms/gb.html or https://policies.google.com/?hl=en

   The legal basis for this is Art. 6 para. 1 lit. f GDPR. Our legitimate interest lies in the analysis, optimisation and economic operation of our online services.

   2. Google Tag Manager

      ­­­­­Google Tag Manager is a tag management system (TMS). The Google Tag Manager itself does not collect any personal data. The Tag Manager makes it easier for us to integrate and manage our tags. Tags are small code elements used to measure traffic and visitor behavior on our website. We use the Tag Manager for the Google services Google Analytics. If you have made a deactivation, this deactivation will be considered by Google Tag Manager. For more information about the Google Tag Manager please visit: https://www.google.com/intl/de/tagmanager/use-policy.html.

6. External Sites
   

   Clicking on external third party links through our site may have a separate set of cookies when you interact with them through their website. To view a list of third party sites click here. How do we use the data? We use the data to get a better understanding of general website trends and to develop improvements for the site.

Control of Cookies

Most browsers are set to accept cookies by default. However, you can remove or reject cookies in your browser’s settings. Please be aware that such action could affect the availability and functionality of the Site.

For more information on how to control cookies, check your browser or device’s settings for how you can control or reject cookies, or visit the following links:

Apple Safari
Google Chrome
Microsoft Edge
Microsoft Internet Explorer
Mozilla Firefox
Opera
Android (Chrome)
Blackberry
iPhone or iPad (Chrome)
iPhone or iPad (Safari)

In addition, you may opt-out of some third-party cookies through the Network Advertising Initiative’s Opt-Out Tool.

Privacy Policy

For more information about how we use information collected by cookies and other tracking technologies, please refer to our Privacy Policy  posted on the Site. This Cookie Policy is part of and is incorporated into our Privacy Policy.

When completing your online loan application, the process works best with Microsoft Internet Explorer 11. If you experience problems with completing the online application, visit your local banking center to apply with an associate.