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Keeping You Our Top Priority

Citizens Bank & Trust is dedicated to protecting your privacy and providing you with quality products and services. We recognize our obligation to keep your information secure and confidential, therefore; we want you to understand the information we collect and how we use it to provide high quality products and services that will benefit you.

Information Used to Provide Products

To provide you with the highest quality financial products and services, we need to know certain kinds of nonpublic personal information. “Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. We collect nonpublic personal information about you from the following sources:

  • Information you provide on your initial application and other account documentation, such as your name, address, social security number, assets, IP address and income.
  • Information about your transaction history with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit usage.
  • Information we obtain from external third parties, (such as credit bureaus, demographic data companies, or public sources) such as your credit worthiness or payment history.

Restrictions on the Disclosure of Account Information

We do not provide personal information to outside companies for the purpose of independent telemarketing or direct mail marketing of any non-financial service. We may disclose information we receive from you on applications or other forms (such as your name and address) to companies that perform joint marketing services on our behalf.

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. 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 policies and practices described in this notice.

Safeguarding Your Information

To ensure your customer information is safe, we have in place several safeguards. Our employees are bound by a code of ethics, which requires that we treat customer information as confidential. We restrict access of your nonpublic personal information to those employees who need to know that information to review and maintain your account, to provide products and services to you or for another business reason. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Online Privacy and Security

We understand the importance of privacy and security when transmitting data online. Therefore, we have instituted necessary privacy and security policies specifically related to the online banking process.

E-Mail Security

We strongly urge you not to e-mail confidential information (such as social security numbers, account numbers, mother’s maiden name, annual income, source of income, etc.) to us. Because an e-mail response back to you will not be secure, we do not include confidential account information in an e-mail response. You may also contact us by phone, mail, or by visiting any bank location.

Linking to a Third-Party Web Site

When you click on links and/or banners that take you to a third party web site, you will be subject to that third party’s privacy policy. While we support the protection of privacy on the Internet, we cannot be responsible for the actions of third parties. We encourage you to read the posted privacy statement whenever interacting with any web site.

Your Role

You can help us to safeguard your information. We suggest you take the following steps:

  • Do not share your Password or User ID with anyone.
  • Change your Password regularly.
  • Remember to sign off once you have completed a secure online session.

Only provide your User ID when your browser indicates an encrypted connection, such as Secure Socket Layer (SSL) directly to our web site or to another site you have investigated and fully trust.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, tax payer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Responding to Inquiries Regarding Privacy Information

We value each and every customer relationship. We want you to understand how we use personal information you may provide and our commitment to ensuring personal privacy. Federal law allows us to disclose information as listed herein and you may not opt out of this disclosure of information. Questions about how we protect confidential information are directed to our e-mail address at or at the main office at (660)744-5333.