Commitment to Your Security: Your safety and security is very important to us.

Facts: What does Citizens Deposit Bank 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 and credit history
  • payment history and overdraft history
  • Employment information and account balances

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 Deposit Bank chooses to share; and whether you can limit this sharing.

Facts: Reasons we can share your personal information.

Does CDB share?

Can you limit 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 non affiliates’ to market to you:

No

We Don’t Share

To limit our sharing:

  • Call (270) 655-6921 in Arlington or (270) 628-9199 in Bardwell
  • visit www.cdbky.com

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call (270) 655-6921 or email us at info@cdbky.com.

What we do:

How does Citizens Deposit Bank 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 those employees for whom access is appropriate.

How does Citizens Deposit Bank collect my personal information?

We collect your personal information, for example, when you:

  • Apply for a loan or deposit money
  • give us your contact information or give us your employment history
  • give us your income information

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 Deposit Bank has no affiliates.

Non Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Citizens Deposit Bank does not share with non-affiliates so they cannot 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 include a Credit Card Company