At Commercial State Bank, your privacy is important to us. We only collect and maintain the information that we need to deliver the high level of customer service you have come to expect, including informing you about our products, services and other opportunities, and to administer our business. We are providing you with this notice in compliance with federal law and to inform you of the information we collect and how we use that information. In the course of doing business with you, we collect and maintain certain personally identifiable data about you in order to provide you with the products and services you need. This information includes:
- Identifying information such as name, address, and social security number.
- Application information such as assets and income.
- Transaction information such as account activity, account balances, and/or purchases relating to deposit, loan, and/or credit card accounts.
- Consumer report information such as credit history.
It is the Commercial State Bank's policy not to reveal specific information about current or former customer accounts or other personally identifiable data to affiliates or non-affiliated third parties for their use unless; 1) they are assisting us in providing our products and services to our customers; 2) the information is provided to help complete a customer initiated transaction; 3) the customer requests or permits it; 4) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, reporting agency, etc.); or 5) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e. "opt out"). If we do conduct business with a third party, we require similar standards of conduct regarding the privacy of personal information.
While we have implemented policies and procedures to protect your personal information, it is important that you also take steps to safeguard your confidential information. If you have an ATM Card or Credit Card, do not disclose or otherwise make your card or personal identification number (PIN) available to anyone. Do not write your PIN on your card or keep it in the same place as your card. Do not give out personal information, such as your Social Security Number, mother's maiden name, or place of birth, without good reason. That information can be used by others to obtain additional information about you. You should notify us immediately if you believe someone has gained unauthorized access to your account(s) or personal information in our possession.
Commercial State Bank is committed to the security of our customers' financial and personal information. All of our operational and data processing systems are in a secure environment that protects the account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards. Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these privacy principles.
Commercial State Bank endeavors to ensure that our customers' financial information is accurate, current, and complete, in keeping with reasonable commercial standards. We pledge to respond to requests to correct inaccurate information in a timely manner. We maintain financial records according to various federal and state laws and regulations concerning record retention. Customers who have questions about the privacy of their customer information should contact Commercial State Bank at 402-586-2266 or fax at 402-586-2175. This privacy notice reflects our current policy regarding the sharing of personal information. We reserve the right to change this statement and our procedures from time to time.
WHAT DOES COMMERCIAL STATE BANK DO WITH YOUR PERSONAL INFORMATION? (.pdf)