Privacy Policy and Right to Opt-Out

FACTS WHAT DOES TCSB 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 products or service you have with us. This information can include:
  • Social Security number
  • Payment history
  • Transaction history
  • Transaction or loss history
  • Credit history
  • Account transactions
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 TCSB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does TCSB 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 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 Yes Yes
For nonaffiliates to market to you No We don't share
To limit our sharing
  • Call toll-free 1-800-362-0170
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer out customer, we continue to share your information as decribed in this notice.
However, you can contact us at any time to limit our sharing.
Questions? Call toll-free 1-800-362-0170
Who We Are
Who is providing this notice? TSBC means The Community State Bank
What We Do
How does TCSB 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.
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 TCSB collect my personal information? We collect your personal information, for example, when you:
  • Open an account
  • Apply for a loan
  • Give us your contact information
  • Pay us by check
  • Show your driver’s license
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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include:
  • Financial companies such as: Reed-Williams Insurance Agency and First Poteau Corporation.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • TCSB 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.
  • TCSB does not jointly market.