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Rev 12/2020
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FACTS
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WHAT
DOES CITIZENS COMMUNITY BANK
DO WITH YOUR PERSONAL INFORMATION?
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Why?
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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.
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What?
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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
§ Account
balances and payment history
§ credit history
and employment information
When you are no longer our customer, we
continue to share your information as described in this notice.
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How?
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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 Community Bank
chooses to share; and whether you can limit this sharing.
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Reasons we can share your
personal information
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Does
Citizens Community Bank share?
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Can
you limit this sharing?
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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
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YES
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NO
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For our marketing purposes-
to
offer our products and services to you
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YES
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NO
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For joint marketing with other
financial companies
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NO
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We don't share
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For our affiliates' everyday business
purposes-
information
about your transactions and experiences
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NO
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We don't share
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For our affiliates' everyday business
purposes-
information
about your creditworthiness
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NO
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We don't share
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For nonaffiliates to market to you
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NO
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We don't share
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Who we are
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Who
is providing this notice?
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Citizens Community Bank
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What we do
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How
does
Citizens Community Bank protect my personal information?
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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 non-public information about you to employees,
who need to know, to provide products or services to you.
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How
does Citizens
Community Bank collect my personal information
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We
collect your personal information, for example, when you
§ open an account
or pay your bills
§ apply for a
loan or use your credit or debit card
§ make deposits
or withdrawals from your account
We also collect your personal information from
others, such as credit bureaus, affiliates, or other companies.
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Why
can't I limit all sharing?
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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
State laws and individual companies may give you
additional rights to limit sharing.
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Definitions
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Affiliates
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Companies related by common ownership or control.
They can be financial and nonfinancial companies.
§
Citizens Community Bank does not share
with our affiliates.
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Nonaffiliates
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Companies
not related by common ownership or control. They can be financial and
nonfinancial companies.
§ Citizens
Community Bank does not share with nonaffiliates so they can market to
you.
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Joint
marketing
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A
formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
§ Citizens
Community Bank doesn’t jointly market.
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SECURITY
Our
electronic banking options are designed to offer you information about
Citizen Community Bank's products and services. We have a variety of
security features in place to assure that your account information remains
confidential on the NetTeller Internet
Banking Service (NetTeller), the Mobile
Banking Service (Mobile Banking), the Citizens Bill Pay Service
(Bill Pay), and the Mortgagebot Application
Service (Mortgage Center). Any account information transmitted over NetTeller, Mobile Banking, Bill Pay, and
Mortgage Center is encrypted. Information that we require from customers
when they sign up for any of these services also remains
confidential.
NetTeller Internet Banking Service, Mobile
Banking Service, Citizens Bill Pay Service, and Mortgage Center have
built-in security features to assure your information remains
confidential. These features include:
- Your
account numbers never appear on NetTeller,
or Mobile Banking. That is why you choose how you would like
your account names to appear on the screen.
- You
have the option of changing your identification (ID) number and
personal identification number (PIN) as often as you feel appropriate.
- Multiple
factor authentication is used to identify normal access patterns and
can react to any deviations by blocking access.
- Your
information on NetTeller, Mobile Banking and
Mortgage Center is protected by Secure Socket Layer (SSL) technology,
the highest level of Internet security available.
When
you sign up for NetTeller and/or Bill Pay, we
will give you an ID number and a PIN number. If you have any questions concerning NetTeller Banking Service, Mobile Banking
Service, or Citizens Bill Pay Service, please contact Debbie Cameron
or Pam Terveer at (618) 566-8800 or E-mail us at ccb@citizenscommunitybank.com.
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