Online Privacy Policy

Citizens Bank & Trust Company is committed to providing you with financial products and services to meet your financial objectives. We believe that Citizens Bank's array of products and services is one of the principal reasons you do your financial business with Citizens Bank.  We also believe you do your financial business with us because we have a strong history of protecting our customers' privacy. We at Citizens Bank affirm that it is essential for our customers to conduct their financial business in the context of privacy.

Categories of Information We May Collect

 In the process of serving you, we collect certain information that is "nonpublic personal information" - information about you that is not available publicly.  This information comes from a variety of sources including:

• Information we receive from you on applications, and other oral, written, or electronic communication, such as your name, address, social security number, assets, income, and medical information.
• Information about your transactions with us (such as balance on accounts, your payment history, or overdraft history) or with others.
• Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.
• Information we obtain from health care providers about your past and current health conditions.

(Note:  Medical information (past or present health condition) obtained as part of any application for insurance is shared only with those who require access to this information in order to process the application.)

Fair Credit Reporting Act

We protect and properly dispose of any consumer information which can be defined as any record about an individual, whether in paper, electronic or other form, that is a consumer report or is derived from a consumer report and that is maintained or otherwise protected by the bank for business purposes.

Categories of Information That We Disclose

Since we value our customer relationship with you, we do not disclose any nonpublic personal information about you to anyone, except as permitted by law, such as sending information returns to the Internal Revenue Service, responding to subpoenas and providing information to consumer reporting agencies (i.e. credit bureaus).

Confidentiality and Security

We restrict access to your personal and account information 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.

Our Commitment

We will continue to maintain our dedication to protecting your privacy.  Should you have questions or concerns about your account information, please contact us at 270-465-8193.