Privacy Policy
Online Information:
When a customer or any other person visits our website at citystateonline.com, we may obtain certain information. The information we collect is subject to all of the safeguards described below, and is also subject to the following guidelines.Website Information Collection and Use:
We collect information from visitors to our website in two ways: general information that we gather from your PC and specific information that you choose to provide to us. We do not automatically store or collect specific personal information concerning visitors to our website. We will, however, collect and store general information such as- The name of the domain from which you access the Internet (for example msn.com or aol.com)
- The Internet address of the website from which you linked directly to our site, if any (for example www.Yahoo.com if you found us using the Yahoo search option).
- The type of web browsing software you are using to view our site (such as Netscape or Explorer).
- The date and time you access our site.
Web Browsers:
We use strong encryption technology to protect the privacy of personal information supplied to us or accessed through our Internet banking service.eMail:
If you send email to us, please remember that email is not secure against interception. If your email contains information that is very sensitive or includes personal information such as account numbers, credit card numbers, or your social security number, you may wish to consider sending this information to us in another way.Children’s Privacy on our Website:
City State Bank has a web page designed for children, however, we do not solicit or collect personal information from children on this page. The bank’s web site is directed to a general audience on which we do not knowingly solicit or collect personal information from children.Privacy Statement:
At City State Bank, we understand how important personal privacy is to you. You have a right to expect that information you entrust to us will be treated with appropriate discretion. We are committed to providing and maintaining a private relationship that respects the information you give to us in the course of everyday business.Our Board of Directors has adopted this Privacy Policy to govern our promise to you, that we will protect your trust and confidence by following these policies.
Our Customers’ Privacy:
At City State Bank, we believe the protection and confidentiality of our customers’ information is one of our primary responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.Use, Collection, and Retention of Customer Information:
At City State Bank, we collect, retain and use information about our customers only where we believe it would be useful to provide products, services, and other opportunities to our customers. We use information to protect and administer your records, accounts, and funds in compliance with certain laws and regulations. We collect nonpublic personal information about you from the following sources:- Information we receive from you on applications or other forms,
- Information about your transactions with us, our affiliates, or others, and
- Information we receive from a consumer reporting agency.
Maintenance of Accurate Information:
City State Bank has established procedures to ensure that your financial information is as accurate, current and complete as possible. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We pledge to respond to requests to correct inaccurate information in a timely manner.Limiting Employee Access to Information:
City State Bank restricts access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We educate our employees so that they understand the importance of confidentiality and customer privacy.Our Security Procedures:
City State Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized third parties. We maintain and grant access to customer information only in accordance with our internal security standards. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We will continue to update and test our security systems and procedures so that your information is kept confidential.Providing Your Information to Others:
City State Bank does not reveal customer information to nonaffiliated third parties for their own purposes.We may disclose the following information to other financial institutions with whom we have joint marketing agreements. Joint marketing agreements would include agreements such as with a security broker-dealer to provide products or services on the bank premises.
- Information we receive from you on applications or other forms, such as your name, address, and social security number.
- Information about your transactions with us or our affiliates such as your financial information, payment history, and parties to transactions.
When we do provide customer information to a third party as described below, we will insist through a written agreement that the third party will adhere to privacy principles similar to those to which City State Bank adheres for keeping this information confidential.
We also provide information:- To help complete a customer initiated transaction.
- When the customer requests or permits it.
- To comply with a law, regulation, court order, or subpoena.
- To credit bureaus.
- To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution.
- In response to an inquiry about current sufficient funds to cover a check you have written.
- To local, state and federal authorities if we believe a crime may have been committed involving your account.
- To paying agencies, such as the Social Security Administration, after the death or incapacity of a recipient or beneficiary of recurring direct deposits.
- To our independent auditors, consultants or attorneys and to our regulators.