FACTS: What does the Currie State Bank 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 account transactions.
Account balances and payment history
Credit history and transaction 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 this section below, we list the reasons financial companies can share their customer’s personal information; the reasons Currie State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does CSB Share Can you limit this sharing?
For our everyday business purposes YES NO
Such as to process your transactions, maintain
Your account(s), respond to court orders and legal
Investigations, or report to credit bureaus
For our marketing purposes
To offer our products and services to you NO NO
For joint marketing with other financial companies NO NO
For our affiliates everyday business purposes
Information about your transactions and experiences YES NO
For our affiliates every day business purposes
Information about our creditworthiness NO NO
For nonaffiliates to market you NO NO
WHO WE ARE?
Who is providing this notice? Currie State Bank
WHATE WE DO?
How does Currie State Bank 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 Currie Sate Bank collect my personal information?
We collect your personal information, for example when you
Open an account
Apply for a loan
Use your debit card
Make a wire transfer
Make deposits or withdrawals from your account
We also collect your personal information from other companies, such as credit bureaus.
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
DEFINITIONS
Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include a non-financial company such as Murrayland Agency, Inc.
Nonaffiliates – Companies not related by common ownership or control. They can be financial or nonfinancial companies.
Currie State Bank does not share with non-affiliates so they can market to you.
Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Currie State Bank does not jointly market.
Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.
Secure Data Transfer
Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Router and Firewall
Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet loan application and check reorder transactions are secure.
