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Citizens-Farmers Bank

Privacy


 
FACTS What Does The Citizens-Farmers 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
  • Account balances
  • Transaction history
  • Credit scores
  • Checking account information
  • 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 The Citizens-Farmers Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does The Citizens-Farmers Bank Share? Can You Limit This Sharing?
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		 Yes No
For our marketing purposes –
to offer our products and services to you		 No We Do Not Share
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For nonaffiliates to market to you No We Do Not Share
Questions?   Call (660) 668-4416 or contact us at info@citizensfarmersbank.com
Who we are
Who is providing this notice?   The Citizens-Farmers Bank
What We Do
How does The Citizens-Farmers 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 The Citizens-Farmers Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Give us your employment history
  • Show your driver's license
  • 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 non-affiliates 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
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. The Citizens-Farmers Bank has no affiliates.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. The Citizens-Farmers Bank does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. The Citizens-Farmers Bank does not jointly market.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers.  We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers.  We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.  We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers.  We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members/Customers.
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial      information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
 
For additional information concerning our privacy policies, contact us at info@citizensfarmersbank.com or call 660-668-4416.