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Privacy Policy

Mission Statement

As financial service professionals entrusted with sensitive financial information, we at Citizens State Bank respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy Policy serves as a standard for all Citizens State bank employees for collection, use, retention and security of individual customer information.

Customer's Expectation of Privacy

We at Citizens State Bank recognize your right to privacy. We also recognize that you have a right to expect your personal financial information to remain private and secure. Therefore, the safekeeping of customer information is a priority for Citizens State Bank.

Citizens State Bank Information Management Practices

We collect, retain and use information about you only where we reasonably believe that it will help administer our business or provide products, services and other opportunities to you. We use information to protect and administer your records, accounts and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. We will use this information only in accordance with the principles set forth in this policy.

Maintaining Accurate Information

We continually strive to maintain complete and accurate information about you to your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations of Employee Access to Information

We at Citizens State Bank believe that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available. At Citizens State Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information.

Protection of Information

Citizens State Bank is committed to the security of your financial and personal information. We safeguard information according to established security standards and procedures. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on Disclosure of Account Information

We do not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; 4) the disclosure otherwise is lawfully permitted or required; or 5) you have been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and have been given the opportunity to decline (i.e., "opt out").

Maintaining Customer Privacy in Business Relationships with Third Parties

When Citizens State Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers

Citizens State Bank recognizes and respects the privacy expectations of our customers. We want you to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy, which is available to our customers. Customers who have questions about this Privacy Policy or have a question about the privacy of their customer information, should call Citizens State Bank at

507-477-2212 (Hayfield)

507-635-2481 (Mantorville)

or 507-374-6090 (Dodge Center)

or e-mail us at