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Privacy Policy

FACTS

WHAT DOES CITIZENS 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:

  • Name and address
  • Social Security number and income
  • Account numbers, account balances, and payment history

If you close your account, we may continue to share information about you according to our policies, which are outlined 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 Bank. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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

Does Citizens Bank, Inc. share?

Yes

Can you limit this sharing?

No, because sharing of information is essential for us to conduct business


Reasons we can share your personal information

For our marketing purposes -
to offer our products and services to you

Does Citizens Bank, Inc. share?

No

Can you limit this sharing?

We don't share


Reasons we can share your personal information

For joint marketing with other financial companies

Does Citizens Bank, Inc. share?

No

Can you limit this sharing?

We don't share


Reasons we can share your personal information

For our affiliates’ everyday business purposes -
information about your transactions and experiences

Does Citizens Bank, Inc. share?

No

Can you limit this sharing?

We don't share


Reasons we can share your personal information

For our affiliates’ everyday business purposes -
information about your creditworthiness

Does Citizens Bank, Inc. share?

No

Can you limit this sharing?

We don't share


Reasons we can share your personal information

For our affiliates to market to you

Does Citizens Bank, Inc. share?

No

Can you limit this sharing?

We don't share


Reasons we can share your personal information

For nonaffiliates to market to you

Does Citizens Bank, Inc. share?

No

Can you limit this sharing?

We don't share


Reasons we can share your personal information

(Note: Medical Information)

Does Citizens Bank, Inc. share?

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.

Can you limit this sharing?
 

Questions?

Call 270-465-8193 or email customerinfo@cbtky.com

 

What We Do

How often does Citizens Bank notify me about their practices?

We must notify you about our sharing practices when you open an account and each year while you are a customer.


How does Citizens 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.


How does Citizens Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Apply for a loan
  • Give us your contact information
  • Make a wire transfer
  • Show your driver's license

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

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

Definitions

Everyday business purposes

The actions necessary in order for financial companies to run their business and manage customer accounts, such as

  • Processing transactions, mailing and auditing services
  • Providing information to credit bureaus
  • Responding to court orders and legal investigations

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Citizens Bank does not share with affilates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Citizens Bank does not share with nonaffiliates 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 Bank doesn't jointly market.