Privacy Policy

Welcome to the ONLY INDEPENDENT bank in Jackson County. We have a "Main Street" not a "Wall Street" approach to banking.

Facts	WHAT DOES CITIZENS STATE 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 and credit scores income and assets payment history and overdraft history 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 State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Citizens State 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 don't share
For joint marketing with other financial companies— you have the right to opt-out of this sharing. If you do not wish to receive marketing communications from us or do not want us to share your personal information for marketing purposes, please contact us.	Yes	Yes
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 nonaffiliates to market to you	No	We don't share

Data Access Request
Our digital banking app may include features that request access to certain data located on the device used for accessing digital banking services. These data types may include but are not limited to: Biometric data Camera access Contacts Location data Users will be prompted to grant access to this data when utilizing features within the app that require such access. It's important to note that if access to this data is not allowed by the user, the functionality of the specific feature requiring that data may be limited or disabled. By using our digital banking app, users acknowledge and consent to the collection and use of such data as outlined in our Privacy Policy. We are committed to ensuring the security and confidentiality of any data collected, and it will only be used for purposes outlined in our Privacy Policy and in compliance with applicable laws and regulations. For more information regarding data collection, usage, and storage, please refer to our Privacy Policy.

Data Access Request

Our digital banking app may include features that request access to certain data located on the device used for accessing digital banking services. These data types may include but are not limited to:

Biometric data
Camera access
Contacts
Location data

Users will be prompted to grant access to this data when utilizing features within the app that require such access. It's important to note that if access to this data is not allowed by the user, the functionality of the specific feature requiring that data may be limited or disabled.

By using our digital banking app, users acknowledge and consent to the collection and use of such data as outlined in our Privacy Policy. We are committed to ensuring the security and confidentiality of any data collected, and it will only be used for purposes outlined in our Privacy Policy and in compliance with applicable laws and regulations.

For more information regarding data collection, usage, and storage, please refer to our Privacy Policy.

Questions?

Call 361-771-3391 or go to www.csbjc.com

Who we are
Who is providing this notice?	Citizens State Bank

What we do
How does Citizens State 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.
How does Citizens State Bank collect my personal information?	We collect your personal information, for example, when you open an account or give us your income information apply for a loan or make a wire transfer 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 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
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Citizens State Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfi nancial companies. Citizens State 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. Our joint marketing partners include credit card companies.

Other important information
For Texas Customers. Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U. S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.; Website: www.dob.texas.gov.

Other important information

For Texas Customers. Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U. S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.; Website: www.dob.texas.gov.