Privacy Policy

 

Privacy Notice

Rev. December 2010

FACTS

WHAT DOES CITIZENS BANK AND TRUST CO. 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
  • Payment history
  • Credit history
  • Credit scores
  • Checking account information
  • Wire transfer instructions

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 and Trust Co. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Citizens Bank and
Trust Co. 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 non-affiliates to market to you

No

We don't share

Questions?

Call (406) 932-5311 or go to https://ctznsbank.com/ 

What we do

How does Citizens Bank and Trust Co. 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Citizens Bank and Trust Co. collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Make a wire transfer
  • Show your driver's license

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.

Definitions

Affiliates

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

  • Citizens Bank and Trust Co. 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 and Trust Co. does not share with non-affiliates 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 and Trust Co. doesn't jointly market.
Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with
non-affiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Personal Information

Certain personal information about visitors to this Web site is being collected by Citizens Bank and Trust Company, located in Big Timber, Montana. Personal information is collected from you at the time transactions are conducted through the online banking service. Citizens Bank and Trust Company does not use ‘cookies’ to collect and track information about you.

Information is collected for the purpose of processing your application, transaction, or request for information. The information will be used for the purposes of meeting your banking needs and requests, and providing services to you in the future. Citizens Bank and Trust Company does not sell or share customer information with any non-affiliated third parties, except certain third party service providers. These entities will be required to execute a confidentiality agreement with Citizens Bank and Trust Company which requires adherence to Citizens Bank and Trust Company’s privacy policy and practices. We share information as permitted by law in order to provide you with better services and more options.

If you do not want your personal information collected, you may refrain from supplying the information, through Citizens Bank and Trust Company’s online banking service.

We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you: Ensuring your financial privacy is of vital importance to Citizens Bank and Trust Company and its employees. Citizens Bank and Trust Company limits employee access to confidential customer financial information to those with a business reason for knowing such information. Citizens Bank and Trust Company employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. Citizens Bank and Trust Company endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.

Additionally, information you submit via our online banking service is protected by encryption technology which scrambles account information to reduce the possibility of access by unauthorized individuals outside Citizens Bank and Trust Company. To further protect your online banking service, Citizens Bank and Trust Company requires the use of an ID and password. If you set up Internet banking access in person at the bank, the ID you choose when setting up your access is confidential and your password is not known by any of Citizens Bank and Trust Company’s employees. If you sign up for Internet banking online, you will receive your ID and password in separate mailings directly from the bank. If you have forgotten your ID or password, your ID may be changed at anytime by contacting Citizens Bank and Trust Company. Your password may be changed at anytime either online, or by calling the bank to reset a generic password which must be changed by you at the first time you access the site.

You may review the information we collect about you and correct any errors in that information by reviewing account statements and any other correspondence from us and notifying us of any inaccurate or outdated information at the address or phone number on your statements.

If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, Citizens Bank and Trust Company, 32 N. Central Ave. Harlowton, Montana 59036, or sending a FAX to the Compliance Officer at (406) 632-4394, or calling us at the main bank (406) 932-5311 or (888) 484-7248, located at 130 McLeod, Big Timber, MT 59011 or the Continental Branch in Harlowton, MT 59036 (406) 632-4373. or (800) 406-4898.

If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to Citizens Bank and Trust Company. Any complaint will be handled in compliance with Citizens Bank and Trust Company’s Consumer Complaints Policy. Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

We recognize the importance of protecting children's identities and privacy online. Our website is not directed at children, and we do not knowingly collect or maintain personal information from children.

Have Questions?

We’re available to assist you with your needs. Please give us a call or visit a branch to get started.

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