• Information received from you on applications and other forms:
• Information about transactions with us (such as information about a deposit or loan ); and
• Information we receive from consumer reporting agencies.

Confidentiality and Security of Nonpublic Personal Information
This Institution maintains the following policies and practices designed to protect the confidentiality and security of consumers' non public personal information:

We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information.

Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.

It is our policy that customer information is not to be provided to anyone over the telephone unless we have determined that you are the person requesting information on your own account or have authorized us to release the requested information.

We endeavor to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current or complete, please call us at 956-849-2311 write to us at P O Box 988 Roma Texas 78584 and appropriate corrections will be made as soon as possible.

If you feel we have not met our obligations in the protection or use your personal information, you may submit a complaint to us. Any complaint will be handled in compliance with the Institution's Consumer Complaints Policy.

Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

Disclosures to Affiliates or Nonaffiliated Third Parties
This institution does not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. 

Sharing Customer Information with Third Party Participants

We may occasionally share customer information with companies that work for us, such as data processing companies. These companies act on our behalf and are obligated to keep all information that we provide to them confidential. These companies are not permitted to use our customer information for purposes other than the provision of the service intended.

Protecting Information Online  

If you are our customer or just visiting on online, we safeguard the information you provide to us at www.csbroma.com on the contact us tab. We preserve the contents of your e-mail, your e-mail address and our responses so that we can efficiently handle any follow-up questions you may have. We may occasionally contact you at your e-mail address to inform you of any potential benefits. E-mails may not be secure. Since our response to you may not be secure, we will not include confidential account information.

Protecting Our Children

We recognize the importance of protecting children's identities and privacy online.  Our website is not directed at children, and we do not knowingly collect or maintain personal information from children.

Our Former Customers

After you are no longer a customer of the Bank, we will continue to treat the customer information we collected about you as if you were still our customer.

How to File Complaints
Citizens State Bank is chartered, licensed, and registered under the laws of the State of Texas and by state laws is subject to regulatory oversight by the Texas Department of Banking. If you wish to file a complaint against Citizens State Bank, you should contact the Texas Department of Banking through one of the following means: In person or U S Mail at 2601 North Lamar Boulevard, Suite 300, Austin, Tx 78705-4294 or telephone 877/276-5554, or fax 512/475-1313, or e-mail consumer.complaints@banking.state.tx.us, web site www.banking.state.tx.us.