Privacy & Security

FACTS What does Citizens Bank of Swainsboro
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 income
  • account balances  and payment history
  • credit history  and overdraft history

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 of Swainsboro chooses to share;
and whether you can limit this sharing.

 

Reasons we can share your personal information Does Citizens Bank of Swainsboro 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 We Don’t Share
For our marketing purposes-
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No No
For our affiliates’ everyday business purposes-
information about your transactions and experiences		 No No
For our affiliates’ everyday business purposes-
information about your creditworthiness		 No No
For our affiliates to market to you No We Don’t Share
For non-affiliates to market to you No We Don’t Share

 

Who we are  
Who is providing this notice? Citizens Bank of Swainsboro
What we do  
How does Citizens Bank of Swainsboro 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.
How does Citizens Bank of Swainsboro collect my personal
information?		 We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

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

  • We do not share with our affiliates. Our affiliates are CBS
    Insurance.
Non-affiliates Companies not related by common ownership or control. They can be
financial and non-financial companies.
Joint marketing A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.

 

Questions? 478-237-7001 or go to www.cbs-lc.com