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Citizens State Bank

Privacy Notice                 Rev. September 2024

FACTS

 WHAT DOES CITIZENS STATE BANK NORWOOD YOUNG AMERICA 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
  • Credit history
  • Income
  • Checking account information
  • 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 customer's 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 Norwood Young America chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Citizens State Bank Norwood Young America 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 Yes No
For our marketing and promotional purposes -- use of your mobile information with our affiliates or third parties No We don't share
For joint marketing with other financial companies Yes No
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 our affiliates to market to you No We Don't Share
For nonaffiliates to market to you No We Don't Share

To limit our sharing

 • Call 952-467-3000 to speak to a bank employee

• If the call is long distance, call 952-467-3000 collect

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

 Call 952-467-3000 (call collect if long distance) or email wecanhelp@csbnya.com

Who we are
Who is providing this notice? Citizens State Bank Norwood Young America

What we do
How does Citizens State Bank Norwood Young America 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 building.
How does Citizens State Bank Norwood Young America collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Deposit money
  • Pay your bills
  • Apply for a loan
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, driver's license bureaus, the Secretary of State, the Department of Motor Vehicles, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only
  • Sharing of 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.

What happens when I limit sharing for an account I hold jointly with some else? Your choices will apply to everyone on your account.

Definitions
Affiliates

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

  • Citizens State Bank Norwood Young America does not share with our affiliates
Nonaffiliates

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

  • Nonaffiliates we share with can include financial service providers, accounting firms, law firms, insurance companies, and credit card companies
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include financial service providers, accounting firms, law firms, insurance companies, and credit card companies