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Citizens State Bank
Citizens State Bank
Citizens State Bank

Privacy Policy

Rev. 01/2011

FACTS What does Citizens State Bank 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 requires 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 service you have with us. This information can include:
  • Social Security number and income
  • credit history and payment history
  • account balance and account transactions

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 chooses 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 transaction, 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 non-affiliates to market to you No We don't share

Questions? Call 763-658-4417 or go to www.bankwaverly.com



Who we are
Who is providing this notice? Citizens State Bank
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 restrict access to nonpublic personal information about you to those employees who need to know to provide products and services to you.

How does Citizens State Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • apply for a loan
  • make a wire transfer
  • give us your contact information
  • make deposits or withdrawals from your account
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

States 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 does not share with our affiliates.
Non-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 affiliated companies 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 does not have joint marketing partners.
Other Important Information
 
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After hours Lost or Stolen Check or Cash Card:
1-800-383-8000

Federal Trade Commission (FTC) Identity Theft Hotline:
1-877-438-4338

****Be vigilant about scams and other criminal fraud!****

Report suspected fraud by calling toll-free 866-347-0911 or submit information at www.MNScams.org. Forward suspect emails to report@mnscams.org.

 
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