Citizens State Bank
Privacy Policy

Citizens State Bank treats customer relationships with great care.  We believe that your privacy should not be compromised.  At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.

Citizens State Bank is committed to the belief that maintaining the confidentiality of our customers' information is at the core of our relationship with our customers.  As a result of our commitment, we have adopted this Privacy Policy which is made readily available to our customers.  We will protect your trust and confidence by following the principles of this Privacy Policy. 

What Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms  
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

"Nonpublic personal information" means information about you that we collect in connection with providing a financial product or service to you.  For example, nonpublic personal information includes your name, social security number, assets, income, account balances, payment history and overdraft history.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. 

Information We Disclose About You

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy practices described in this policy.

Protection of Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 

Access to Our Web Site

Our web site does not require you to disclose any personally identifying information.  If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions.  Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law. Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Links

Occasionally, we will link to other Internet sites as a convenience to you, our customer.  Citizens State Bank will only link sites that uphold our corporate standards.  Our website is directed to a general audience.  We do not knowingly solicit or collect information from children on our website.   However, we are not responsible for the content of those sites, nor their policies for the collection of customer information. 

Customer Recourse

If you believe that we have incorrect information regarding yourself or any one of your accounts, please contact us immediately by calling us at 1-800-894-3322 or 712-335-3322.    

Our Website and Children’s Privacy

Our website is directed to a general audience.  We do not knowingly solicit or collect information from children on our site. Visitors may elect to provide us with personal information via E-mail or online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before. Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, state, and country
• The Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Questions and/or Concerns?
In order for the Bank to provide you with the maximum benefits and services, we request that you keep your information as up-to-date as possible.  If you ever have questions or concerns regarding the accuracy of your personal information at the Bank, please contact at (712)335-3322 or (800)-894-3322.  We will investigate your concerns and make any changes as needed.