CSB understands how important privacy and security are to you not only in your banking, but also in your everyday life. We do our best to maintain the highest levels of security to protect your information. We also want to arm you with current information that you can use to keep up with cyber criminals.
You can also find a wealth of free resources by visiting www.onguardonline.gov
You may add choose to add your name to CSB's Do Not Contact list. By adding your name to the Do Not Contact list, you will no longer receive marketing or promotional mailings from Community State Bank or its affiliated companies including, promotional offers, information on merchant programs and Bank newsletters. Please note that you will still receive communication form the Bank that is required by state and federal regulations.
Digital Privacy and Cookies Policy
Updated: May 10, 2019
Introduction and scope of policy
Agreement to policy
By using a Site or interacting with a Community State Bank advertisement or page or account on a third party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.
Gathering, using, and sharing information
Types of information
You may interact with us in a variety of ways online, including through a mobile device. We may offer sites or applications that permit browsing and do not require registration. We may also offer the ability to enroll, register or access your accounts online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information; and location information. We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies, as described further below.
About “cookies” and Ad Choices on third party sites
party for advertising or information collection on behalf of Community State Bank. Please note that your choice to “Unsubscribe” on a particular browser or device will apply only to the collection and use of information from that particular browser or device. “Unsubscribing” on a particular device will not “unsubscribe” out of information collection on other devices, nor will it limit cross device sharing on those other devices. Industry standards are currently evolving and we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser. The “unsubscribe” link does not apply to transactional communications from (Bank Name) in connection with providing services on an account.
Do you have to accept cookies?
You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you cannot access your accounts online with Community State Bank. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.
Cookies is a term also used to describe other locally stored objects, such as cookies stored in an Adobe folder on your device. These cookies will not be deleted when you clear cookies from your browser. We may use this technology for purposes such as information security and fraud prevention. We may use this technology for online behavioral advertising purposes. Please refer to information provided by Adobe for information on how to disable and control Flash objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.
Additional technologies. We may also use additional technologies such as pixel tags, web beacons, and clear GIFs, and may permit our third party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third party sites.
Using information. In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites; and using read-receipt notifications in our email communications.
We may share information with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process. As applicable, please see the additional privacy policies referenced above, such as the Community State Bank Consumer Privacy Notice, for more information on how we may share information with affiliates and third parties.
From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents or legal guardians. We request that such individuals do not provide personal information through the services.
For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov Dialog.
Policy updates and effective date
If we make updates to this Policy, we will update the Policy with the changes and revise the “date of most recent update” posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. Your use of the Site following the update to the Policy means that you accept the updated Policy.
We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).
Credit Reporting Agency Information
Know your Credit Score Help protect yourself from Identity Theft
Equifax PO Box 740241 Atlanta, GA 30374-0241 www.equifax.com 800-685-1111
Experian PO Box 2002 Allen, TX 75013 www.experian.com 888-397-3742
TransUnion PO Box 390 Springfield, PA 19064-0390 www.transunion.com 800-916-8800
Fraud Management Information/Resources
Fraud Management for Debit Cards
Protecting you from unauthorized use of your debit card is a top priority at Community State Bank. To that end, we are partnering with Fiserv, our debit card administrator, to implement a fraud monitoring system, called Debit Card Fraud Management. This service will help monitor your bank account for fraudulent debit card activity. If suspicious activity is detected on the account associated with your debit card (i.e. out-of-state purchases or uncharacteristically high charges), you will be contacted by Community State Bank or by a Fiserv fraud specialist, calling on our behalf, to verify those transactions.
We would like to ensure that we can reach you promptly if fraudulent activity is suspected. If at any time your contact information changes, please notify your personal banker, teller or Customer Care at 515-331-3100. As always, we keep your personal information strictly confidential. Please remember that we will NOT ask for your debit card number or personal identification number (PIN) to verify your identity. Remember to use caution when providing your debit card information, and contact us immediately if you suspect your debit card has been stolen or compromised.
Fraudulent Check Scam
If you think you may have become victimized by a fraudulent check scam, contact the following agencies:
- Contact the bank who issued the check directly to report receipt of the check and to verify authenticity. Do not use the telephone number provided on the check – this number is probably not associated with the bank, but rather with the scam artist. To locate a bank’s mailing address, you can check the FDIC’s Web site at: http://www.fdic.gov/
- Federal Trade Commission (FTC): by telephone at 1-877-FTC-HELP or file an electronic complaint via their Internet site at http://www.ftc.gov
- The Iowa Attorney General at: https://www.iowaattorneygeneral.gov
- For Internet Scams - Federal Bureau of Investigation (FBI) Internet Fraud Complaint Center: http://www.ic3.gov
- Mail-based scams-U.S. Postal Inspector Service at http://www.usps.com
Important Information - Preventing a Business Email Compromise
Other Useful Resources
At CSB, we know you need to feel your financial information is secure from theft. We use the maximum level of security offered through our systems to make sure your accounts are safe. At CSB, we know the importance of staying abreast of the latest scam warnings. Protect yourself from this activity by checking this page of our website for recent warnings.