Privacy Policy

FACTS

WHAT DOES THE CITIZENS NATIONAL BANK OF MCCONNELSVILLE
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:
n Social Security number and income
n account balances and payment history
n credit history and 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 personal information to run their everyday business. In the section below, we list the reasons financial companies can share their client’s personal information; the reasons Citizens National Bank of McConnelsville chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Citizens National Bank 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 do not share

For joint marketing with other financial companies

No
We do not share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

Yes
No 
(CNB Holdings, Inc. Stockholder Info.)

For our affiliates’ everyday business purposes—
information about your creditworthiness

No
We do not share

For nonaffiliates to market to you

No
We do not share

Questions?

Call 1-800-733-6595 or go to www.cnb-online.net

Who we are

Who is providing this notice?

The Citizens National Bank of McConnelsville

What we do

How does Citizens National 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 Citizens National Bank collect my personal information?

We collect your personal information, for example, when you
n open an account or apply for a loan
n make deposits or withdrawals from your account or pay your bills
n use your credit cards or debit cards
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
n sharing for affiliates’ everyday business purposes—information about your creditworthiness
n affiliates from using your information to market to you
n 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.
n CNB Holdings, Inc.
n CNB Morgan Jefferson Development, LTD.
n CNB Morgan Real Property, LTD.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
n
The Citizens National Bank 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.
n
The Citizens National Bank does not jointly market.