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Privacy Notice

Physician Bank highly values your personal and financial privacy. When you are browsing our website, we do not collect, capture, or retain personal information. If you submit an online application for one of our products or services, or log in to view your accounts, our website will request such information as your email address or your account number. This information allows you to perform certain tasks (for example, correspond with us our view your accounts). Supplying that requested information also allows us to provide the information you requested. In these cases, we only collect the information necessary to interact with you. If you browse our website anonymously, no personal information is collected. We gather data that is not personally identifiable to you to track website usage, such as number of hits, pages visited, and the length of user sessions, in order to evaluate the usefulness of our website. California Consumer Privacy Act Notice

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy is available to you upon request. The following explains how we use and protect information about our customers. You may review our policy and practices with respect to your personal information online or we will mail you a free copy upon request within 10 days if you contact us at 1-888-632-2651 or privacy@heritagebankna.com.

FACTS WHAT DOES PHYSICIAN BANK DO WITH YOUR PERSONAL INFORMATION?
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 and income
  • account balances and account transactions
  • payment history and credit history
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 Physician Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Physician 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 No
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share
Questions? Call 1-888-632-2651 or www.www.physicianbank.com
Who we are Physician Bank is a division of Heritage Bank N.A.
What we do
How does Physician 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 limit access to information to those employees for whom access is appropriate.
How does Physician Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • make deposits or withdrawals from your account or provide account information
  • provide employment information
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include others, such as Pioneer Heritage Insurance
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Physician Bank does not share with non-affiliates so they can market to you.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include credit card, insurance, investment, and other financial companies offering financial related products.

Download Privacy Policy PDF | California Consumer Privacy Act Notice

The 100% financing option while we started our first post-residency job, their rapid and efficient response rate to our questions and our numerous changes in schedule that occurred with our builder, and the absence of PMI were all extremely helpful.

Dr. David Ogden, UT

The entire team was easy to work with & made our loan a seamless process for buying a home. Being able to avoid PMI is an awesome benefit.

Dr. Sayer Mansfield, TX

The Physician home loan was exactly what we needed and our lending specialists, Chris, made buying our home easy and enjoyable.

Dr. Moe Reno, NV

Being able to have a 0% down payment was convenient and made it feasible to buy property right out of school. The Physician Bank team was super easy to work with and responsive to our needs either via text, call or email!

Dr. Catibog Roseville, MN

Kept us informed all throughout the process and was very patient with our questions. We cannot recommend this institution and Julie Velline enough. Thank you!

Dr. Radu Minot, ND

    Physician Bank

    140 North Phillips Avenue Unit 101a, Sioux Falls

    4.9 32 reviews

    • Avatar Ambur Brown ★★★★★ 6 months ago
      Julie Velline is the absolute best! I have bought 8 homes in my lifetime and never have I had such excellent service with my mortgage. She is easy to talk to, responsive, very smart, and informed about mortgage options. She always answered … More all of my questions right away, even in the evening and on weekends. She worked with my real estate agent to make sure that my offer to buy a house was clear and well understood. She even spoke with the sellers agent for us! I whole heartedly recommend her. Thank you for all of your help in buying our dream house, Julie!
    • Avatar Johnny Holm ★★★★★ 3 weeks ago
      I've closed several loans with Matt Velline and have every intention to only use his services in the future! Not only is Matt very experienced and knowledgeable, but makes himself available outside "banker hours!" That is … More a huge benefit to working with him. A true professional and a very patient and thorough loan officer! Matt and Physician Bank are the best!
    • Avatar Jessica Levy ★★★★★ 3 months ago
      Our experience with Matt, Tanya & Juanita has been great! They took the time to answer all of our questions and ensure we felt comfortable throughout the entire process, even with the closing of our home falling over the holidays. We … More are so appreciative of all their support. Would definitely recommend!
    • Avatar Lauren Stipp ★★★★★ 4 months ago
      Matt and Julie were persistent to help us from the first day we introduced ourselves ! They had worked countless hours, days prioritizing us . We are so appreciative of the professional service they provided . Absolutely recommend as we … More had a terrible experience in finding a construction loan up until this point . I cannot emphasize enough what a dream team they are !
    • Avatar Steven Gard ★★★★★ 6 months ago
      Physician Bank associate, Julie, made the difficult home buying process relatively easy for my family and I! It was difficult to find a lending service I could trust that would thoroughly investigate all my options as a new resident coming … More straight out of medical school! Thank You for all your help Julie!
    • Avatar Hannah Thompson ★★★★★ 6 months ago
      Julie Velline made our home buying process so easy! She was phenomenal to work with and always quick to respond to any questions we had!

    Average response time <10 minutes

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