Policies Page

Policies


Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Reserve Bank of New York (Reserve Bank); and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a list of the banks that are scheduled for CRA examination by the Reserve Bank in that quarter. This list is available from the Officer in Charge of Supervision, Federal Reserve Bank of New York, 33 Liberty Street, New York, New York 10045. You may send written comments about our performance in helping to meet community credit needs to Doug L. Kennedy, President and CEO, P.O. Box 700, Bedminster, New Jersey 07921 and Officer in Charge of Supervision, Federal Reserve Bank of New York, 33 Liberty Street, New York, New York 10045. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Reserve Bank. You may also request from the Reserve Bank an announcement of our applications covered by the CRA filed with the Reserve Bank. We are an affiliate of Peapack Private Bank & Trust Financial Corporation, a bank holding company. You may request from an Officer in Charge of Supervision, Federal Reserve Bank of New York, 33 Liberty Street, New York, New York 10045 an announcement of applications covered by the CRA filed by bank holding companies.
Important Information about procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online.

For more information, visit the Consumer Financial Protection Bureau's Web site at www.consumerfinance.gov/hmda
Effective Date: July 7, 2026
Last Updated: July 7, 2026
 
This Online Privacy and Cookie Notice describes how Peapack Private Bank & Trust and its affiliates use cookies, pixels, analytics tools, advertising technologies, embedded media and similar technologies on our website.

This notice supplements our Privacy Notice, which describes how we collect, use and share nonpublic personal information in connection with financial products and services.

Information collected automatically
When you visit our website, we and our service providers may collect certain information automatically, including:
  • IP address;
  • browser type and version;
  • device type, operating system and device settings;
  • referring and exit pages;
  • pages viewed and links clicked;
  • date and time of visit;
  • approximate location derived from IP address;
  • cookie identifiers, advertising identifiers, session identifiers and similar online identifiers;
  • website performance, error and security information; and
  • information about your interactions with our website, forms, embedded media and advertisements.
We do not intend for website analytics or advertising technologies to collect online banking credentials, account numbers, passwords or the contents of secure banking sessions.

How we use online information
We use online information for the following purposes:
  • to operate, secure and maintain the website;
  • to detect, prevent and investigate fraud, abuse, security incidents or technical issues;
  • to understand website performance and visitor engagement;
  • to measure and improve website content and functionality;
  • to provide and measure advertising and marketing, where permitted;
  • to support embedded media and social-media features; and
  • to comply with legal, regulatory and risk-management obligations.
Cookies and similar technologies
Our website uses the following categories of technologies:

Strictly Necessary Technologies. These are required for the website to function, maintain security, remember privacy choices or provide requested services.
 
Analytics / Performance Technologies. These help us understand how visitors use the website and improve performance.
 
Advertising / Targeting Technologies. These may help us measure advertising, understand campaign effectiveness and provide more relevant content or advertising.
 
Social Media and Embedded Media Technologies. These may support features such as embedded video, social-media content or interaction with third-party platforms.
 
Except for strictly necessary technologies, non-essential cookies and similar technologies will be used only as permitted by your choices in Cookie Preferences and applicable law.
 
Third parties
Depending on your choices, browser settings and website configuration, we may permit service providers and other technology providers to collect online information through our website.  These may include providers of:
website hosting and support;
  • analytics and tag management;
  • advertising measurement and marketing;
  • social media and embedded media;
  • fraud prevention, security and performance monitoring; and
  • consent management.
Your choices
You can manage non-essential cookies and similar technologies through Cookie Preferences.  You may change your choices at any time.

You may also be able to limit online tracking through browser settings, device settings, private browsing modes or industry opt-out tools.  Some browsers or extensions may send opt-out preference signals, such as Global Privacy Control.  To the extent required by applicable law and supported by our systems, we will process recognized opt-out preference signals.

Sale or sharing of personal information
Peapack Private Bank & Trust does not sell personal information for money.

Some state privacy laws define “sale,” “sharing” or “targeted advertising” broadly to include certain disclosures of online identifiers, cookie IDs, device information or browsing activity to advertising or analytics partners.  To the extent our use of advertising or targeting technologies is considered a sale, sharing or targeted advertising under applicable law, you may opt out by disabling advertising/targeting technologies through Cookie Preferences or by using any other opt-out method we make available.
 
State privacy rights
Certain state privacy laws may provide rights to access, correct, delete or obtain a copy of personal information, or to opt out of certain processing.  These rights may be subject to exemptions, including exemptions for financial institutions and information subject to federal financial-privacy laws.
 
To submit a privacy request, contact us at:
We may need to verify your identity before responding to certain requests.
 
Retention
We retain online information for as long as reasonably necessary for the purposes described in this notice, including website operation, analytics, security, fraud prevention, legal compliance and recordkeeping.  Specific cookie durations may vary and are described in Cookie Preferences where available.
 
Children
Our website is not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the website.

Changes to this notice
We may update this Online Privacy and Cookie Notice from time to time.  The “Last Updated” date above indicates when this notice was last revised.

Adjust your privacy options online.


View Our Privacy Notice

To opt-out from information sharing of all your consumer accounts held at Peapack Private Bank & Trust and its affiliates for affiliate marketing purposes, simply complete the information requested below and be sure to click on the "Submit" button.

Important: Please note that your privacy choice may not be properly applied if you enter any incorrect information on this opt-out page. You can also set your privacy choice by calling the appropriate number listed below:

Peapack Private Bank & Trust, PGB Trust & Investments of Delaware:
(908) 234-0700

Also, if you have a joint account with another person, either of you may exercise the opt-out, and your opt-out choice will apply to all persons on your account. If you have previously notified us of your selection no further action is required.

Business clients please note that the choice to stop receiving marketing information via email or telephone applies only to individuals, not to businesses.

I/we understand that non-exempted, non-public personal information, including transaction and experience information, may be shared with affiliates for the purpose of the solicitation and marketing of products and services. I/we request an “opt-out” of the sharing of this information with affiliates for this purpose. This request to opt out will remain in effect as long as I/we are a client or I/we notify you otherwise.

I/we understand that by exercising this opt-out that I/we will prohibit sharing of information for future solicitation or marketing of affiliate products or services that may offer a potential benefit to me/us.

* Indicates required field

Preferred Method of Contact
My/Our relationship is presently with (check all that apply):
Personal Banking

Thank you for your submission!


This disclosure describes your ability to withdraw funds at Peapack Private Bank & Trust. It applies to the availability of funds in all of your accounts except for funds deposited to certificate of deposit (CD) accounts. We reserve the right to delay the availability of funds deposited to these accounts for periods longer than those outlined in this disclosure. Please ask us if you have a question about which accounts are affected by our availability policy.

For purposes of this disclosure, the terms "you" or "your" mean client and the terms "our," "we," or "us" mean Peapack Private Bank & Trust.

YOUR ABILITY TO WITHDRAW FUNDS

Our policy is to delay the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash, and we will not use the funds to pay checks that you have written. If you make a deposit before 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. or on a day that we are not open, we will consider the deposit made on the next business day we are open.

DEPOSITS AT OTHER LOCATIONS

This availability policy only applies to funds deposited at Peapack Private Bank & Trust. Please inquire for information about the availability of funds deposited at other locations.

DETERMINING THE AVAILABILITY OF YOUR DEPOSIT

The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. The length of the delay varies depending on the type of deposit and is explained below.

SAME-DAY AVAILABILITY

Funds from electronic direct deposits to your account will be available on the same business day that we receive the deposit. Funds from the following deposits will also be available on the same business day that we receive the deposit:

- Cash
- Wire transfers
- "On Us" checks

NEXT-DAY AVAILABILITY

Funds from the following deposits are available on the first business day after the day of your deposit:

- U.S. Treasury checks
- U.S. Postal Service money orders
- Federal Reserve Bank or Federal Home Loan Bank checks
- State or Local Government checks
- Cashier's, Certified, or Teller's checks

NEXT-DAY AVAILABILITY FOR CERTAIN DEPOSITS MADE IN PERSON

If you make the deposit in person to one of our employees, funds from the following check deposits are available on the first business day after the day we receive your deposit:

- State and local government checks that are payable to you, if you use a special deposit slip available from one of our financial centers
- Cashier's, certified, and teller's checks that are payable to you, if you use a special deposit slip available from one of our financial centers
- Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits are available on the second business day after the day we receive your deposit. Regardless of if you make the deposit in person to one of our employees, funds from cash deposits are available on the first business day after the day we receive your deposit.

AVAILABILITY OF OTHER CHECK DEPOSITS

The first $10,000.00 from a deposit of other checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit.

HOLDS ON OTHER FUNDS FOR CHECK CASHING

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT

If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in that other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new client, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account and checks drawn on Peapack Private Bank & Trust will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $6,725.00 of a day's total deposits of U.S. Treasury checks, U.S. Postal Service money orders, cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you and you may have to use a special deposit slip. The excess over $6,725.00 will be available on the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $6,725.00 will not be available until the first business day after the day of deposit. The first $5,000.00 from all other check deposits will be available on the first business day after the day of deposit if the checks are payable to you. The excess over $5,000.00 will be available on the fifth business day after the day of deposit.

FOREIGN CHECKS

Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds from deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which they are drawn.

DEPOSITS AT PROPRIETARY AUTOMATED TELLER MACHINES (ATMs)

Funds from deposits (cash or checks) made at an ATM that we own or operate will be available on the first business day after the date of your deposit. If you make a deposit at an ATM that is owned and operated by us before 3:00pm on a business day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 3:00pm or on a day that we are not open, we will consider the deposit made on the next business day we are open.

ADDITIONAL DEPOSIT INFORMATION

LONGER DELAYS
Availability may be delayed for longer periods under the following circumstances:
• The Bank believes a check will not be paid
• Returned unpaid checks are re-deposited
• An Account has been overdrawn six times or more in the last six months
• Emergencies, such as failure of communications or computer equipment

NOTICE OF LONGER DELAYS
The Bank will notify affected clients if the Bank delays their ability to withdraw funds for any of these reasons. The Bank will tell affected clients when the funds will be available. They will generally be available no later than the seventh business day after the day of deposit.

Use Restrictions
Permission to use copies of the materials on this website is granted, provided that (1) the copyright notice appears in all copies, (2) use of such copies is for informational, non-commercial or personal use only and such copies will not be copied or posted on any network computer or broadcast in any media, and (3) no modifications of any copies are made. Use for any other purpose is expressly prohibited by law and may result in civil and criminal penalties.
 
Limitation of Warranty
The materials contained in this website are provided on an “as is” basis and are for informational purposes only. Peapack Private Bank & Trust hereby disclaims all express or implied conditions, representations and warranties, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement, except to the extent such disclaimers are held to be legally invalid.

Peapack Private Bank & Trust makes no guarantees, representations or warranties as to the quality, suitability, truth, accuracy or completeness of any of the materials contained in this website. Peapack Private Bank & Trust may, in its sole discretion, make additions or revisions to this website at any time without notice.
 
Limitation of Liability
Peapack Private Bank & Trust will not be liable in any way for any damages suffered as a result of the failure of performance, error, omission, interruption, file deletion or corruption, computer virus, theft or unauthorized access, negligence, force majeure or any other cause of action related to any of the data contained in the website or the transmission of such data.

In no event will Peapack Private Bank & Trust be liable for any consequential, incidental, indirect, special or punitive damages, whether in contract, tort or otherwise, even if Peapack Private Bank & Trust has been advised of the possibility of such damages, except to the extent such limitation is prohibited by applicable law.

Links to Third-Party Sites and Services
This website may contain links to websites, platforms, portals, applications or services operated by third parties. These links are provided for convenience only. Peapack Private Bank & Trust does not control and is not responsible for third-party websites, platforms, portals, applications, services, content, security, privacy notices or privacy practices. The inclusion of a link does not imply endorsement by Peapack Private Bank & Trust. When you leave our website, your use of third-party websites, platforms, portals, applications or services is governed by their terms, privacy notices and practices.

Website Privacy and Cookie Practices
Peapack Private Bank & Trust provides a Privacy Notice that describes how we collect, use and share nonpublic personal information in connection with financial products and services. Our Online Privacy and Cookie Notice describes our website use of cookies, pixels, analytics tools, advertising technologies, embedded media and similar technologies. Visitors may manage non-essential cookies and similar technologies through Cookie Preferences.

Personal information voluntarily submitted through online forms, email, secure portals, applications, scheduling tools or other request channels will be used to respond to and process the request and for other purposes described in the applicable notice, disclosure or service terms. Please do not include confidential account information in general website forms or email communications.
 
Choice of Law
Any action related to this website will be governed by the laws of New Jersey, exclusive of its choice-of-law provisions, and controlling U.S. federal law, except to the extent otherwise required by applicable law.

In compliance with the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) and implementing regulations (Regulation GG) issued by the Board of Governors of the Federal Reserve System and the United States Department of Treasury, certain transactions are prohibited within your account. Our financial institution is required to notify our commercial customers of this prohibition.

“Unlawful Internet gambling” is defined in UIEGA as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made.

As of June 1, 2010, Regulation GG prohibits restricted transactions in your account. “Restricted transactions” are defined in Regulation GG to be transactions in which funds are knowingly accepted by gambling businesses in connection with participation by others in unlawful Internet gambling. Restricted transactions are prohibited from being processed through this account or any account you hold with our institution. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, debit card or credit card transactions, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Internet gambling will generally be considered to be unlawful unless verifiable authorization is obtained by an appropriate State or Tribal authority.

We may block or reject any restricted transactions or close any account we believe is in receipt of such transactions. If this doesn’t apply to your business, no action is required. Contact us for further details.

Visa adheres to the rule of law and seeks to protect the integrity of the Visa payment system. Although several U.S. states have legalized marijuana for medical or recreational use, marijuana nevertheless remains illegal under federal law. As such, transactions in the U.S. involving the purchase or trade of marijuana are not permitted on the Visa network, until such time as federal law allows.