mother and daughter sitting in a field

Privacy

What Does Citizens Bank & Trust Company Do With Your Personal Information?

Rev. Date 11/2015

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
  • Account transactions
  • Transaction history
  • Payment history
  • Credit 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 Bank & Trust Company 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
Yes No
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
What We Do
How does Citizens Bank & Trust Company protect my 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.
 
Access to customer information is limited to those employees with a business reason to know such information in order to provide products and services to you.
How does Citizens Bank & Trust Company collect my information? We collect your personal information, for example, when you
  • Open an account
  • Make deposits or withdrawals from your account
  • Apply for a loan
  • Use your credit card or debit card
  • Seek advice about your investments
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.)
What happens when I limit sharing for an account I hold jointly with someone 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 Bank & Trust Company 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 Company does not share with nonaffiliates 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.
- Our joint marketing partners may include credit card companies, investment companies and insurance companies.
Other Important Information
In accordance with state law, Citizens Bank & Trust Company will not share information we collect about state residents with companies outside of Citizens Bank & Trust Company, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable state law.