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How we collect information
Our sources of nonpublic information about you include information you provide to us on loan applications or other account forms, information about your transactions with us or others, and information obtained from a consumer reporting agency.

How we disclose information
It is our policy not to share any nonpublic personal information about you with anyone, except when you authorize us to do so by your specific consent or when disclosure of the information is permitted by law.  There are certain instances where the law permits us to share your information.  This may include disclosing information to government entities in response to subpoenas, summons or search warrants, or to credit bureaus.

How we keep your information secure
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal nonpublic information.

Privacy for former customers
Even on closed or inactive accounts, our privacy  policy and practices will still be enforced.  We will not disclose your information to anyone, except as permitted or required by law, or by your specific consent.  Your privacy will always be important to us here at Citizens State Bank.

We recognize the importance of protecting the privacy of information that may be submitted to us.  Visitors to Citizens State Bank's web site will remain anonymous.  We do not collect personal identifying information about visitors to our site.  Our servers collect standard non-identifying information about visits to the site, such as date and time visited and IP address.  This information is used only to compile standard statistics on site usage, and to help us make our site more useful to visitors. Any personal identifying information provided by you (such as your name, address,  phone number, or E-mail address),  will only be used to communicate with you in order to provide the most efficient customer service possible.   It will be used only by CSB and will never be sold or transferred to third parties for any reason.