CITIZENS STATE BANK PRIVACY POLICY
  

Notice Of Your Financial Privacy Rights

 FACTS  WHAT DOES CITIZENS STATE BANK, CHENEY 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 required 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 services you have with us. This information can include:

  • Social Security number           
  • Credit Scores
  • Income
  • Checking account information
  • Account balances
  • Wire transfer instructions

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, Cheney chooses to share; and whether you can limit this sharing.

 Reasons we can share your personal information  Does Citizens State Bank, Cheney 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

NO 

We don't share 

 For joint marketing with other financial companies

 NO

 We don't share

 For our affiliates' everyday business purposes - information about your transactions and experiences

 NO

 We don't share

 For our affiliates' everyday business purposes - information about your creditworthiness

 NO

 We don't share

 For nonaffiliates to market to you

 NO

 We don't share

 What We Do  

 How does Citizens State Bank, Cheney 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 Bank, Cheney collect my personal information?

 We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Make a wire transfer

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 nonaffiliates 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, Cheney has no affiliates.

 Nonaffiliates

 Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Citizens State Bank, Cheney does not share with nonaffiliates so they can market to you.

 Joint Marketing

 A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Citizens State Bank, Cheney doesn't jointly market.
 Questions?  Call 316-542-3142

  
  

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