Mobile Banking Privacy Policy

Privacy Policy for Mobile Banking Services

Last Updated: February 23, 2026

This Privacy Policy for Mobile Banking Services supplements the Bank of South Texas Privacy Policy and applies specifically to the Bank of South Texas Mobile application (the “Mobile App”).

The Mobile App is powered by TouchBanking, a service provided by Fiserv, Inc., and is offered on behalf of Bank of South Texas.

This Privacy Policy describes how personal information is accessed, collected, used, and disclosed in connection with your use of the Mobile App, in compliance with applicable financial privacy laws and Google Play Developer Program Policies.

Information We Collect

When you use the Mobile App, we and our service providers may collect information in the following ways:

(A) Personal Information You or Your Financial Institution Provide

We may collect personal information from you or from Bank of South Texas in connection with your use of mobile banking services, including:

First and last name
Address
Email address
User IDs
Telephone number
Social Security number
Account numbers
Payment card expiration date
Payment card identification and verification numbers
Transaction and payment history

When using certain features:

Device images or videos may be accessed when you deposit a check using mobile deposit functionality or use QR code payment functionality.
Device contacts may be accessed when you make peer-to-peer payments (such as Zelle® or other payments functionality).
Device location may be accessed to detect and prevent card transaction fraud, deposit fraud, and to provide branch and ATM locations.

We may also collect information you voluntarily provide when you contact us for support.

(B) Personal Information Collected from Third Parties

We may collect certain information from:

Identity verification services
Consumer reporting agencies, including credit bureaus

when necessary to provide Mobile App services.

(C) Personal Information Collected Via Technology

When you use the Mobile App, we and our service providers may automatically log information about your mobile device and usage.

Device Data

This may include:

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)
General location information such as city, state, or geographic area

This information is used for:

Service functionality
Security monitoring
Fraud detection
Technical support
Performance optimization
Regulatory compliance

Location Information (Specific Disclosure)

If you have enabled location services on your mobile device and agree to the collection of your location when prompted by the Mobile App, we will collect your location information when you use the Mobile App.

Location information is used, for example, to:

Provide fraud detection services
Detect and prevent card transaction fraud
Detect and prevent deposit fraud
Provide branch and ATM location services

If you do not want us to collect your location information, you may:

Decline the collection when prompted; or
Adjust the location services settings on your device.

Please note that if you withdraw consent to the collection of location information, you may no longer be able to use certain features of the Mobile App.

This disclosure is provided to comprehensively disclose the access and collection of Location along with its usage in compliance with Google Play requirements.

Disclosure of Your Personal Information

We may disclose personal information collected through the Mobile App as follows:

(a) At the Direction of Bank of South Texas

Information may be shared with Bank of South Texas or with third parties at the direction of Bank of South Texas.

(b) Third-Party Service Providers

We may share personal information with third-party or affiliated service providers that perform services on our behalf, including:

Providing mobile banking services
Quality assurance testing
Facilitating account creation
Optimizing performance
Providing technical support

(c) Corporate Restructuring

Information may be disclosed in connection with a merger, acquisition, financing, dissolution, or similar transaction.

(d) Authorities and Others

We may disclose personal information to law enforcement, government authorities, or private parties for compliance and protection purposes.

Links to Other Sites

The Mobile App may contain links to third-party websites. These sites operate independently, and this Privacy Policy does not apply to them.

Your Choices Regarding Your Information

Do Not Track

Some web browsers transmit “Do Not Track” signals. There is currently no uniform standard governing such signals, and we do not take action in response to them at this time.

Access, Update, or Correct Information

You may access, update, or correct your information by contacting Bank of South Texas.

SMS Communications

If you provide your phone number, we may send notifications by SMS (such as fraud alerts). You may opt out by unlinking your mobile phone number through the Mobile App.

Opting Out of Location Tracking

If you initially consented to geo-location collection, you may stop collection at any time by adjusting your device settings.

Safeguards and Retention

We implement reasonable administrative, technical, and physical safeguards to protect your information.

Federal laws require retention of certain records. Personal and financial data may be retained for five to ten years depending on applicable laws and business needs.

A Note About Children

The Mobile App is not directed toward individuals under 18. We do not intentionally gather personal information from individuals under 18.

Privacy Notice Updates

This Privacy Policy may be revised from time to time. Material changes will be posted within the Mobile App or on our website. Continued use constitutes acknowledgment of changes.

Contact Information

If you have any questions regarding this Privacy Policy or our privacy practices, please contact Bank of South Texas at one of the following locations:

Pharr
840 N. Cage Blvd.
Pharr, TX 78577
Phone: 956-687-4260
Fax: 956-664-0954

McAllen
1421 E. Nolana Ave.
McAllen, TX 78504
Phone: 956-278-7070
Fax: 956-664-1990

Kingsville
300 E. King Ave.
Kingsville, TX 78363
Phone: 361-595-5711
Fax: 361-595-5773

Hebbronville
1500 N. Smith Ave.
Hebbronville, TX 78361
Phone: 361-527-5702
Fax: 361-527-5708

Mission
2000 N. Conway Ave.
Mission, TX 78572
Phone: 956-391-3380
Fax: 956-583-2307

Edinburg
320 E. University
Edinburg, TX 78539
Phone: 956-618-0747
Fax: 956-513-8663