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YOUR PRIVACY As a Bank customer, you have a right to financial privacy, and Citizens National Bank respects this right. In order to protect and maintain your privacy, we are dedicated to safeguarding your personal information.
SECURITY OF YOUR INFORMATION We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. ONLINE BANKING PRACTICES Sensitive information transmitted between you and Citizens National Bank over the Internet is protected through the use of SSL (Secure Sockets Layer) protocol and encryption of up to 128 bits. SSL is a method of encryption that creates a secure environment for information that is passed between your computer and Citizens National Bank.
A cookie contains a small amount of data that is exchanged between a web browser and a web server. Cookies cannot be used to deliver viruses or run programs on your computer. They are uniquely assigned to you and can only be used by the site that issued the cookie to you. You have the ability to accept or decline cookies. Most browsers automatically accept them, but you can change this setting if you desire. If you choose to decline cookies, you will not be able to use some sections of the cnbtexas.com site, particularly secured sections that require you to login. INFORMATION WE COLLECT AND MAY DISCLOSE We collect and use various types of information to service your accounts, save you time and money, and better respond to your needs. Customer information is collected from the following sources:
As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification. INFORMATION WE DISCLOSE
Third parties receiving customer information from us are required to protect your information. We may disclose nonpublic personal information to the following types of third parties, as permitted by law:
An affiliate is a company that is related by common ownership. Examples of our affiliates include our community development group, insurance agency, and others. All of these companies work together to provide accounts and services to meet your individual needs. We may share any of the personal information that we collect about you among companies within the CNB family as permitted by law. The Fair Credit Reporting Act gives you the opportunity to limit the sharing of “non-experience information” within the CNB family. “Non-experience information” includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us. If you prefer that we not share non-experience information about you with the CNB family of companies, you may opt out by contacting us as described under Privacy Choices. INFORMATION REGARDING FORMER CUSTOMERS Even when you are no longer our customer, we may disclose your nonpublic personal information with third parties as permitted by law as described above. PRIVACY CHOICES You can limit the information about you that we share. If you do not want us to share information from your applications, consumer reports, or from other outside sources among our affiliates, please tell us of this request either by writing us at Citizens National Bank, ATTN: Customer Service Department, PO Box 1009, Henderson, TX 75653, or calling (903) 657-8521 or toll free 1-877-566-2621, or sending an e-mail to contactus@cnbtexas.com. Please provide your full name, street address, social security number, and telephone number. This request will apply to information from applications, consumer reports, and other outside sources only and may take ten days to be effective. We will continue to share transaction and account experience information among our affiliates through the normal course of doing business and servicing your financial needs. MONEY ORDERS Citizens National Bank also engages in the business of selling checks as an agent for a company licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint concerning sale of checks activities should contact the Texas Department of Banking. Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:
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Visitors to this site are accessing a private computer. Unauthorized access or use is not permitted and constitutes a crime punishable by law. (18USC 1030) Products offered on this website require a minimum age of 16. |
*Transactions made on a non-business day (Saturdays and holidays) will be processed on the next business day.