Privacy Notice

(Rev. January 2019)

FACTS:  WHAT DOES COMMUNITY STATE BANK (CSB) 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
       Income
       Account Balances and Payment History
       Credit History and Credit Scores

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

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION 

 DOES CSB 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 bureausYesNo
For our marketing purposes-- to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes - information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes - information about your creditworthinessNoWe don't share
For our affiliates to market to youNoWe don't share
For our nonaffiliates to market to youNoWe don't share

WHO WE ARE

Who is providing this notice?Community State Bank

WHAT WE DO

How does CSB 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. When we share information with third parties, we hold all such parties to the same or higher standards as we do ourselves regarding the privacy of your information.
How does CRBT 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 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.

DEFINITIONS

Affiliates  Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include our parent company QCR Holdings, Inc., financial companies such as Quad City Investment Advisors, LLC, the Bates Financial group of investment-related companies, and m2 Lease Funds, and our affiliate banks: Quad City Bank & Trust Company, Cedar Rapids Bank & Trust Company, including its Community Bank & Trust Company division, Rockford Bank & Trust Company, Springfield First Community Bank, and Community State Bank.
Non Affiliates   Companies not related by common ownership or control. They can be financial and nonfinancial companies.
CSB does not share with non affiliates so they can 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 credit card companies, investment and insurance service providers.


Questions? Call 515.331.3100 or 844.218.3100   or go to www.bankcsb.com