Privacy Disclosure Notice

Citizens State Bank

Wyoming, Olin & Oxford Junction

Revised June 2010

Facts

What Does Citizens State 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
  • Credit history
  • Payment history
  • Credit card or other debt
  • Transaction or loss history
  • Mortgage rate and payments

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 Citizens State Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share
your personal information

Does Citizens State Bank
share information?

Can you limit
this sharing?

For our everyday business purpose — such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to the credit bureaus

Yes

No

For our marketing purposes — to offer our products and services to you

No

We don't share

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purpose — information about your transactions and experiences:

No

We don't share

For our affiliates' everyday business purpose — information about your creditworthiness

No

We don't share

For non-affiliates to market to you

No

We don't share

 

Questions?

Call 563-488-2211 or go to csbhc@netins.net.

Do not send personal information via email.

 

What We Do

How does Citizens State 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 maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Citizens State collect personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Make deposits or withdrawals from your account
  • Deposit money
  • Apply for a loan
  • Apply for financing

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 non-financial companies.
* Citizens State Bank has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
* Citizens State Bank does not share with nonaffiliates 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.
* Citizens State Bank doesn't jointly market.