Community Reinvestment Act Notice

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-Gladstone 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.

Customer Identification Program (CIP)


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.

Home Mortgage Disclosure Act (HMDA)

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex and income of applicants and borrowers; and information about loan approvals and denials. Inquire at one of our branch locations where HMDA data may be inspected.

Privacy Policy

To opt-out from information sharing of all your consumer accounts held at Peapack-Gladstone Bank and PGB Trust & Investments of Delaware 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 (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 PGB Trust & Investments of Delaware 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 PGB Trust & Investments of Delaware for this purpose. This request to opt out will remain in effect as long as I/we are a client of Peapack-Gladstone Bank 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.

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Regulation CC - Funds Availability Policy

Your Ability to Withdraw Funds

The Bank's policy is to make funds from your cash and check deposits available to you as quickly as possible according to the schedule described below. This is based on the type of deposit made and where it is made. This policy only applies to cash and check deposits made to your personal and business checking accounts.

You may not withdraw the funds in cash and the Bank may choose not to use the funds to pay checks you have written or other withdrawals or transfers you have authorized, until the funds are available according to the schedule.

Determining the Day of Deposit

For determining the availability of a deposit, every day is a business day except Saturdays, Sundays, and federal holidays.

Teller deposits after 6:00 p.m. and Peapack-Gladstone Bank ATM deposits after 3:00 p.m. will be credited on the next business day. Funds mailed to the Bank are considered deposited on the day they are received by the Bank. Funds deposited to a night depository, lock box, or similar facility are considered deposited on the day on which the deposit is removed from such facility and is available for processing by the Bank.

Same-Day Availability

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

  • Wire transfers;
  • Electronic deposits or credits, such as direct deposits; and
  • Transfers of funds between accounts by telephone request, at an ATM using the transfer feature, or through the Bank’s internet banking service.

Next-Day Availability

Funds from government checks (US Treasury, local and state) are available on the first business day after the day of deposit.

If the deposit is made in person to one of the Bank's tellers, funds from the following items are also available on the first business day after the day of deposit:

  • Cash;
  • Cashier's checks, certified checks, and teller checks that are made payable to the account holder;
  • Checks drawn on the Bank payable to the depositor; and
  • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. postal money orders that are payable to the depositor.

If the deposit is not made in person to one of the Bank's tellers (for example, if the deposit is made through the mail or at a night depository), funds from these deposits will be available on the second business day after the day of deposit.

Other Checks

The Bank will make the first $10,000 from a deposit of other checks available on the first business day after the day of the deposit. The remaining funds will be available on the second business day after the day of the deposit.

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.

Foreign Items

The Bank will make the funds from the deposit of a check or other item drawn on a bank located outside the United States, U.S. Virgin Islands, or Puerto Rico, or payable in foreign currency available when the funds have been collected.

New Account Rules

Special rules apply during the first 30 days after an account is opened. An account is not considered a new account if each customer on the account has had, within 30 calendar days before the account is established, another transaction account at the Bank for at least 30 calendar days. If the customer has had authorization only to sign on a corporate account and then opens a new consumer account, it is considered a new account for purposes of Regulation CC.

Funds from wire transfers and electronic direct deposits will be available on the day of deposit. Funds from cash deposits and the first $5,000 of a day's total deposits will be available on the first business day after the day of deposit if checks are payable to the depositor. The excess over $5,000 will be available on the fifth business day after the day of deposit. If the deposit of these checks is not made in person to one of the Bank's tellers, the first $5,000 will not be available until the second business day after the day of deposit.

Holds on Other Funds

If the Bank cashes a check or accepts for deposit a check drawn on another bank, the Bank may make funds immediately available but delay the availability to withdraw a corresponding amount of funds on deposit in any account the depositor has with the Bank. Held funds will be available according to the Bank's funds availability policy.

Unlawful Internet Gambling Prohibition Notice

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.

Website Terms & Conditions

Use Restrictions

Permission to use copies of the materials on this website is granted, provided that (1) the below copyright notice appears in all copies, (2) use of such copies are for informational and non-commercial or personal use only and 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 severe civil and criminal penalties. Violators will be prosecuted to the maximum extent.

Limitation Of Warranty

The materials contained in this website are provided on an "as is" basis and are for informational purposes only. Peapack-Gladstone Bank 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-Gladstone Bank makes no guaranties, representations or warranties as to the quality, suitability, truth, accuracy or completeness of any of the materials contained in this website. Peapack-Gladstone Bank may, in its sole discretion, make additions or revisions to this website at any time without notice.

Limitation Of Liability

Peapack-Gladstone Bank 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-Gladstone Bank be liable for any consequential, incidental, indirect, special or punitive damages, whether in breach or in tort, even if Peapack-Gladstone Bank has been advised of the possibility of such damage.

Links To Third Party Sites

Peapack-Gladstone Bank respects the privacy of users visiting its website and does not share any information with any third parties, send unsolicited e-mails or any direct marketing materials.

Privacy Policy

This website may be linked to other websites, which are not under the control or maintenance of Peapack-Gladstone Bank. The inclusion of such link is for convenience only and does not imply any endorsement by Peapack-Gladstone Bank of those sites or their content. Peapack-Gladstone Bank disclaims all warranties, express or implied, concerning any linked sites.

Visitors to www.pgbank.com remain anonymous. The bank does not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

  • Date and time our site was accessed
  • Web browser used
  • City, state and country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Visitors may elect to provide us with personal information via email, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

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.