Privacy Policy, Terms of Use, Disclosures

Terms of Use

Terms of Use: Your use of the Citizens State Bank ("CSB") web site constitutes your agreement without modification to all of the following terms, conditions and notices. By accessing the web site, you agree to be bound by the terms and conditions as hereafter set forth and as amended by CSB from time to time.

Copyright and Trademark Information: The contents of this site are the property of CSB unless otherwise indicated and protected by copyright and trademark laws. All logos, service marks, trade names and trademarks contained within this web site are the sole property of CSB. It is prohibited for anyone to use such trademarks, or any content contained within this site for any purpose whatsoever without the prior written consent of CSB. The web site may contain logos and trademarks of third parties, in which case it is also prohibited to use these marks without the third party’s consent. Copyright law protects the content of this web site. Any unauthorized use of information on this site may be punishable by law.

Accessibility: CSB is committed to ensuring that its website is accessible to people with disabilities. All the pages on our website will meet W3C WAI's Web Content Accessibility Guidelines 2.0, Level AA conformance. Any issues should be reported to accessibility@mycsbin.com.

Products and Services: Not all financial products and services described on this web site are available in all geographic areas. In addition, you may not be eligible of qualify for all the products and services described herein. CSB reserves the right to determine your eligibility for any product or service. All products and services are subject to change without notice.

Unlawful and Prohibited Use of the Web Site: CSB will only utilize information provided by users for lawful business purposes. As a condition of your use of this web site, you warrant to CSB that you will not use this web site, or any information contained for any purpose that is unlawful or prohibited by these Terms of Use.

Links to Other Internet Sites: This site may contain links to other web sites operated by third parties. CSB provides links to other sites as a service to users. The linked sites are not under the control of CSB and CSB is not responsible for the content available on the third-party sites. CSB does not endorse or approve of material and content on any other site. Because we may not always know when information on a linked site changes, CSB is not responsible for the content or accuracy of any third-party website. CSB shall not be responsible for any loss or damage of any sort resulting from the use of a link on its website nor will it be liable for any failure of products or services advertised or provided on these linked sites.

CSB offers links to you on an "as is" basis. When you visit a third-party website by using a link on a CSB site, you will no longer be protected by CSB's privacy policy or security practices. The data collection, use and protection practices of the linked site may differ from the practices of CSB. You should familiarize yourself with the privacy policy and security practices of the linked website. Those are the policies and practices that will apply to your use of the linked website, not CSB's policies and practices. CSB is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such linked sites, or reference to or reliance on information contained therein.

Tools and Calculators: This web site may contain tools and calculators. CSB provides tools and calculators as a service to users, for educational purposes only. CSB does not guarantee the accuracy of the calculators or the results. CSB is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

No Warranties: Use of this web site and its contents are at the user's sole risk and are provided “as is”, “as available”. Any products, services or information from the web site are to be used at your own risk, with no obligations, warrantees, or liabilities of any type by CSB. CSB will not be responsible for any loss, damage to equipment, or incompatibility between the web site and any Web browser, operating system, or device utilized by users. CSB does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. CSB assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. CSB is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference or reliance on such information.

INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT WILL CITIZENS STATE BANK OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM THE USE OF OR THE INABILITY TO USE THE WEB SITE, SITE CONTENT OR ANY PRODUCTS OR SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY.

Indemnification: The user agrees to indemnify and hold CSB harmless from and against any and all claims, losses, liability, cost, and expenses, including, but not limited to attorney’s fees, arising the user’s violation of these Terms of Use or any third party’s rights, including, but not limited to, copyrights, proprietary and privacy rights. This indemnification and hold harmless obligation will survive the termination of these Terms of Use.

Modifications: Citizens State Bank reserves the right to change the Terms of Use and modify the contents of the web site without notice.

General: If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and the remainder of the agreement shall continue in full force and effect.

This agreement constitutes the entire agreement between you and CSB with respect to the use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Citizens State Bank with respect to this web site. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Disclosures

NMLS Information

A free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state. To access this free service please visit the Nationwide Mortgage Licensing System & Registry. You may also access a list of current employees with an NMLS number here.

Member FDIC

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the US Government. The FDIC protects depositors against the loss of their insured deposits if an FDIC-Insured bank or savings association fails. FDIC Insurance is backed by the full faith and credit of the US Government.

If your CSB accounts total $250,000 or less, your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured, provided the accounts meet certain requirements. To learn more, please contact us.

Equal Housing Lender

The terms Equal Housing Lender and Equal Opportunity Lender are synonymous and refer to all FDIC-Insured banks, including Citizens State Bank. Such banks are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap, or familial status. They are required, in all advertisements of home loan-related services, to explicitly use one of these two terms in describing themselves, or to use one of several approved logos, like the one you’ll see throughout our website:

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available at the Consumer Financial Protection Bureau’s website. HMDA data for other financial institutions are also available at this site.

USA Patriot Act/ Customer Identification Requirements

In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customer’s identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.

COPPA (The Children’s Online Privacy ACT)

Our online services are not intended for children under the age of 13. We do not knowingly collect personal information from children under the age of 13 without parental consent.

Regulation E

Find a copy of our Error Resolution Notice here.