Updated on 11/1/2024
WHAT DOES CITIZENS BANK & TRUST CO. 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 and Income
- Account Balances and Payment History
- Credit History and Credit Scores
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 Citizens Bank & Trust Co. chooses to share; and whether you can limit this sharing
| Reasons we can share your personal information: | Does Citizens Bank & Trust 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 don't share |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | No | We don't share |
| For our affiliates’ everyday business purposes — information about your creditworthiness | No | We don't share |
| For affiliates non-affiliates to market to you | No | We don't share |
WHO WE ARE
Who is providing this notice?
Citizens Bank & Trust Co., Hutchinson, MN
WHAT WE DO
How does Citizens Bank & Trust Co.
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 maintain physical, electronic and procedural safeguards to protect this information and limit access to information to those employees for whom access is appropriate.
How does Citizens Bank & Trust Co.
collect my personal information?
We collect your personal information, for example, when you:
- Open an account
- Deposit money
- Pay your bills
- Use your debit card
- Apply for a loan
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’ everday 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.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
- Citizens Bank & Trust Co. does not share with our affiliates
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Citizens Bank & Trust Co. 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 and services to you.
- Citizens Bank & Trust Co. does not jointly market
