Citizens Bank and Trust Company
Home Loans  

Information About Your Privacy

Rev. Jan. 2011

FACTS

WHAT DOES CITIZENS BANK & TRUST/COCHRAN BANK & TRUST 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 and payment history
  • Account balances and transaction history
  • Credit history and transaction or loss history

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 & Trust/Cochran Bank & Trust chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Citizens Bank & Trust/Cochran Bank & Trust 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

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We do not share

For our affiliates to market to you

No

We do not share

For nonaffiliates to market to you

No

We do not share

 

Questions?

Call 478-374-4754 or go to www.citizensbankandtrust.net


Who we are

Who is providing this notice?

Citizens Bank & Trust Company/Cochran Bank & Trust

What we do

How does Citizens Bank & Trust/ Cochran Bank & Trust 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 Bank & Trust/ Cochran Bank & Trust 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 nonaffiliates to market to you
 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Citizens Bank & Trust/Cochran Bank & Trust does not share with affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Citizens Bank & Trust/Cochran Bank & Trust 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.

  • Our joint marketing partners include financial service providers such as insurance companies.

Citizens Bank & Trust Company
P. O. Box 339
Eastman, Georgia  31023
478-374-4754

Helena – McRae
P.O. Box 100
Helena, Georgia 31037
229-868-2983

Rhine
P.O. Box 339
Rhine, Georgia 31077
229-385-5101
Warner Robins
1041 Highway 96
Warner Robins, Georgia  31088
478-987-6000
Cochran Bank & Trust
A Division of Citizens Bank & Trust Company
P.O. Box 610
Cochran, Georgia 31014
478-934-4400

MEMBER FDIC

Terms of Use

 

Auto Loans
Checking Accounts
Savings Accounts
Kids' Club
Students
Club 50
Senior Bankers
Bank Online Locations Personal Banking Business Banking Home Page