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Citizens State Bank

Privacy Policy








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.



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

         Account balances

         Payment history

         Transaction history

         Account transactions

         Checking account information



When you are no longer our customer, we continue to share your information as described in this notice.




All financial companies need to share customersí personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customersí personal information; the reasons Citizens State Bank choose to share; and whether you can limit this sharing.


Reasons we  can share your personal information

Does Citizens State 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




For our marketing purposes-

to offer our products and services to you


          We donít share

For joint marketing with other financial companies


          We donít share

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


          We donít share

For our affiliatesí everyday business purposes- information about your creditworthiness


          We donít share

 For non-affiliates to market to you


           We donít share


Call 956-849-2311 or go to



What we Do?


How does Citizens State 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 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 collect my personal information?

We collect your personal information, for example, when you

         Open an account

         Pay your bills

         Apply for a loan

         Provide account information

         Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.



Why canít I limit all sharing?

Federal law gives you the right to limit only

         Sharing for affiliatesí 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 law and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.




Companies related by common ownership or control. They can be financial and non-financial companies

         Citizens State Bank has no affiliates.


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

         Citizens State 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.

         Citizens State Bank doesnít jointly market.

Other Important Information             

For Texas Customers. The Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and by the state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; Email: , Website:


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