At Citizens National Bank, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe that both can be accomplished through the establishment of standards outlined in this policy for the collection, use, retention, and security of individual customer information.
We recognize the customer’s right to expect privacy and security for their personal and financial affairs. The bank will take all necessary steps to safeguard sensitive information that has been entrusted to us by our customers. To that end, the bank has adopted the following standards and procedures intended to prevent misuse of customer information.
Permissible Reasons To Collect and Maintain Information About Our Customers
The bank will and should collect, retain and use information about our customers only when the bank believes it will help administer our business and in providing products, services, and other opportunities to customers. We will collect and retain information about our customers for a specific business purpose and also, to comply with certain laws and regulations.
Maintenance of Accurate Information
The bank will strive to maintain accurate and complete customer information. We pledge to respond to requests to investigate and to correct, information believed to be inaccurate in a timely manner or as prescribed by law. Information will not be furnished to a consumer-reporting agency if we know it to be inaccurate and/or incomplete.
Limitations on Employee Access to Information
Customer information is considered private & privileged and employees will have access limited to the business reason to know such information. Department Managers are responsible for the daily oversight of employee access of customer information. Training is provided to all employees emphasizing the confidentiality of customer information. Employees violating customer confidentiality will be subject to appropriate disciplinary measures.
Protection of Information
Our bank is committed to the security of customer financial and personal information. Unauthorized access to confidential information about our customers is accomplished by limiting employee access to customer information and by providing a secure environment that protects this information from third parties. We continually assess our environment due to rapid technological change and we provide employee training to assist in complying with customer confidentiality.
Restrictions on the Disclosure of Account Information
Citizens National Bank places limits detailed below on who receives specific information about customer accounts or otherwise personally identifiable information. We do not reveal information to parties outside our affiliated banks and companies unless:
- The customer authorizes it or permits it.
- The information is provided to help complete a customer-initiated transaction.
- The information is provided to a reputable credit bureau or similar information-reporting agency.
- The disclosure otherwise is lawfully permitted or required (e.g. subpoena).
Maintaining Customer Privacy in Business Relationships With Third Parties
When we do conduct business with a third party, we will require our vendors and suppliers to adhere to similar privacy principles & standards regarding customer information.
Citizens National Bank”s NMLS number is 412577. A list of all individual Mortgage Loan Originators can be made available upon request by contacting the bank.
We respect the privacy of children, and we comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
How To Contact Us?
You may contact us in any of three convenient ways. The first, you may choose to contact us from our website. You then have the option of directing an e-mail request to a specific representative at any of our convenient locations. The second, you may call the Main Office location at (318) 747-6000 for assistance from one of our friendly customer service representatives. And finally, you may write us at:
Citizens National Bank
P. O. Box 6266
Bossier City, Louisiana 71171-6266