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Citizens Bank & Trust Co., The Trusted Name in Banking

Privacy

Rev. Date 12/2010
FACTS What Does Citizens Bank & Trust Company 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
  • Income
  • Account balances
  • Payment history
  • Credit history
  • 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 Company chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Deposit Accounts Information Does Citizens Bank & Trust Company 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 nonaffiliates to market to you/strong> No We don't share
Questions? Call 662.326.8047 or go to www.cbt-co.com
What We Do
How does Citizens Bank & Trust Company 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 limit access to information to employees for whom access is appropriate.
How does Citizens Bank & Trust Company collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Pay your bills
  • Apply for a loan
  • Use tour credit or debit card
  • Make deposits or withdrawals from your account
We also collect your personal information from others such as credit bureaus,  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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Citizens Bank & Trust Company has no affiliates.
Nonaffiliates 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.
  •  Citizens Bank & Trust Company does not jointly market.
Other Important Information
For Massachusetts, Mississippi and New Jersey Customers. We will not share information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.