Privacy Policy

Citizens Bank of Washington County recognizes and respects our responsibility to protect our customers' private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors, borrowers, and shareholders. In continuing our commitment to provide quality service to our customers, Citizens Bank of Washington County has adopted the following privacy statement for officers, directors, and employees. This privacy statement applies to individuals (consumers), and Citizens Bank of Washington County reserves the right to amend it at any time.

FACTS: What Does Citizens Bank Of Washington County 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 you 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; and credit history and credit score. 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 Washington County chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Permissable Reasons for Sharing Information	Does Citizens Bank of Washington County Share?	Can You Limit this Sharing?
For our everday 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	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes-information about your transactions and experiences	No	We don't share
For our affiliates' everday business purposes-information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Who We Are & What We Do

Who we are
Who is providing this notice?	Citizens Bank of Washington County
What we do
How does Citizens Bank of Washington County protect my personal information?	To protect your personal informaton 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 restrict access to nonpublic information about you to those employees with a legitimate business purpose.
How does Citizens Bank of Washington County collect my personal information?	We collect your personal information, for example, when you Open an account or show your driver's license Make deposits or withdrawals from your account or apply for a loan *Use your credit or debit card We also collect you 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 nonaffiliates 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. *Citizens Bank of Washington County has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. *Citizens Bank of Washington County does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. *Citizens Bank of Washington County doesn't jointly market.

Our Internet Web Site

Visitors to the Citizens Bank of Washington County Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request, and manage the Citizens Bank of Washington County Web site. It is not disseminated or sold to other organizations. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please cancel the e-mail before it is sent. Visitors should call us directly at (478) 552-5116 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers, or Social Security number. Citizens Bank of Washington County will NEVER ask you for your Personal Identification Number (PIN) for your Citizens Bank of Washington County debit card.

If you are asked for this information, please call (478) 552-5116 and report it to a customer service representative immediately.

The information we learn about you from your visit to our Web site depends on what you do when visiting our site. If you read or download information, we collect and store only the following: the name of the domain from which you accessed the Internet (for example, aol.com, if you are connecting from an America Online account); the date and time; and the Internet address of the Web site from which you linked directly to our site (if applicable). We use this information to measure the number of visitors to the different sections of our site and to help us make our site more useful. If you identify yourself by sending e-mail, we will use your identifying information in various ways to further our consumer protection and competitive activities, but we will not disclose any information to a third party. We want to be very clear: We will not obtain personal identification information about you when you visit our site unless you choose to provide it. Any information collected will not be disclosed to a third party.

Please note: If you are sending electronic mail to the bank, we want to remind you that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information -- such as your bank account, charge card, or Social Security number -- you may want to send it by postal mail to the bank.