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FACTS What does Community State Bank of Rock Falls 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. This notice explains 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
  • Account balance
  • Payment history
  • Transaction history
  • Transaction or loss history
  • Overdraft 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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason Community State Bank of Rock Falls chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Community State Bank of Rock Falls 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 NO We don't share
For joint marketing with other financial companies NO We don't share
For our affiliates’ everyday business purposes — information about your transactions and experiences YES NO
For our affiliates’ everyday business purposes — information about your creditworthiness NO We don't share
For nonaffiliates to market to our customers NO We don't share


Questions? Call 815-625-1110 or go to www.commstbk.com


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What We Do
How does Community State Bank of Rock Falls protect my personal information?

To protect 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Community State Bank of Rock Falls collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Show your government-issued ID

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

State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.

Definitions:
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include:

  • Financial companies such as: Community Illinois Corporation
Nonaffiliates

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

  • Community State Bank of Rock Falls 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.

  • Community State Bank of Rock Falls doesn’t jointly market.
Other Important Information
For Alaska Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
   
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