Electronic Privacy Disclosure
It is Citizens State Bank’s goal to make our products and services available to our customers at all times through our website, www.csbsealy.com. We are committed to providing such services while ensuring your information remains private and confidential.
It is our Pledge to any visitor to our website will remain anonymous. Although we collect user contact information and digital ID authentication, this information is gathered solely for the purpose to serve support requests more efficiently. This information is not distributed to third parties. Its primary purpose is to serve our customers better.
This website gathers aggregate information including anonymous website statistics. The Bank uses this information to determine the level of interest in the information available on our website.
The online banking section of our website uses enhanced software to protect the privacy and security of your personal information. Passwords to your online banking are encrypted therefore unreadable by Bank employees. The website and online banking section may contain links to other websites. The Bank is not responsible for the privacy and security practices employed by third party websites. We recommend you review the privacy and security policies of third-party websites before providing personal or confidential information. Citizens State Bank is not responsible for the content nor does it guarantee the products and services offered by third party websites.
If you are already a Citizens State Bank customer, we thank you for your account relationship. If you are not, we hope our website answers your questions about our products and services. If there are any questions, you may contact us at any of the option listed under Contact Us.
|FACTS||WHAT DOES CITIZENS STATE BANK 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:
|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 State Bank chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Citizens State Bank 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 bureaus
|For our marketing purposes -
to offer our products and services to you
|No||We don't share|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates' everyday business purposes -
information about your transactions and experiences
|No||We don't share|
|For our affiliates' everyday business purposes -
information about your creditworthiness
|No||We don't share|
|For nonaffiliates to market to you||No||We don't share|
|What We Do|
|How does Citizens State Bank 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.|
|How does Citizens State Bank collect my personal information?||We collect your personal information, for example, when you
|Why can't I limit all sharing?||Federal law gives you the right to limit only
See below for more on your rights under state law.
|Affiliates||Companies related by common ownership or control. They can be financial and
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
|Other Important Information|
|For Texas Customers.The Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: firstname.lastname@example.org, Website: www.dob.texas.gov|
Funds Availability Disclosure
This is important information about your ability to withdraw funds from:
Citizens State Bank
222 Main St
PO Box 600
Sealy, TX 77474
Phone: (979) 885-3571
This policy statement applies to “transaction accounts,” but not to savings deposits. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Savings accounts and money market deposit accounts are examples of savings deposits. Feel free to ask us whether any of your other accounts might also be under this policy.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 03:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 03:00 PM or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 02:30 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 02:30 PM or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.
Longer Delays May Apply
Case-by-Case Delays: In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, will be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,525 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business after the day of your deposit.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
We apologize for any inconvenience this may cause; however, federal law prohibits us from waiving these requirements.
Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and, by state law, is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below:
In person, or by U.S. Mail:
Texas Department of Banking
Consumer Assistance Activities
2601 N. Lamar Blvd.
Austin, Texas 78705-4294
This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure.
This agreement and the use of this website are governed by the laws of the state of Texas.