Citizens State Bank

Privacy Policy

Introduction:

Citizens State Bank, (the “Bank”), clearly understands your concerns regarding information collected in today’s technological environment. This Privacy Notice is designed to assure all customers/consumers with whom we deal of our commitment to strict standards of security and confidentiality.  Additionally, this Privacy Notice will inform you of the types of information we collect and how it is used.

Your Privacy is Important to Us:

We recognize the importance of confidentiality and trust when handling your private and financial information.  We also recognize the right to privacy and of the privacy of your personal information.  We count each of these issues among our most important responsibilities.  We understand the need to safeguard information that you have provided to us and that you expect privacy and security for your personal and financial affairs.

Information Collected: 

The Bank will collect information about you only where we reasonably believe the information will be necessary or useful in processing or administrating the products and services you have requested from us.  Additionally, in compliance with the USA Patriot Act Rules, the Bank collects information necessary to verify a customer’s identity.

The Bank collects nonpublic personal information about you from the following sources:

·         Information we receive from you on applications, on-line registrations or other forms

·         Information about your transactions with us (such as information about a deposit or loan)

·         Information we receive from consumer-reporting and debit-reporting agencies and including information regarding your creditworthiness, check history and credit history, and

·         Information we obtain in connection with our efforts to protect against fraudulent and/or improper activity.

Confidentiality and Security:

We restrict access to nonpublic personal information about you to those Bank employees who need to know that information to provide products or services to you.  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 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 maintain physical, electronic and procedural safeguards and security measures that comply with federal regulations to guard your non-public personal information.  Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

The Bank’s Board of Directors has adopted a Privacy Policy.  The Bank has a privacy-training program for its employees in order to ensure compliance with its Privacy Policy.

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 @ 956-849-2311,

·         write to us @ PO Box 988, Roma Texas  78584, or

·         e-mail us @ www.csbroma.com

and appropriate corrections will be made as soon as possible.  For questions or comments please contact your account officer or any customer service representative.

Information Sharing with Third Party Service Providers:

The Bank does not disclosure nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  We may occasionally share customer information with companies who work with 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 our website at www.csbroma.com , we safeguard the information you provide to us on the “contact us” tab.  We preserve the contents of your e-mail, your e-mail address and our responses to you so that we can efficiently handle any follow-up questions that 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 secured, we will not include confidential account information.  Additionally, information you submit via our online banking service is protected by encryption technology which scrambles account information to reduce the possibility of access by unauthorized individuals outside the Institution. To further protect your online banking service, the Institution requires the use of an ID and password.

Protecting Our Children:

We recognize the importance of protecting our 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 collect about you as if you were still our customer.

How to File Complaints:

Citizens State Bank is chartered, licensed and registered under the law of the State of Texas and by state laws are 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

·         US mail @ 2601 North Lamar Boulevard, Suite 300, Austin TX 78705-4294

·         Telephone 877-276-5554

·         Fax 512-475-1313

·         E-mail @ consumer.complaints@banking.state.tx.us