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** Bill Pay Notice **

We offer free Online Banking services & free Bill Pay services (up to 8 free bill payments per month). All "excess" bill payments made over the free 8 will incur a $0.47 per item charge.

Privacy Policy

FACTS WHAT DOES COMMERCIAL 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
  • Account Balances
  • Payment History
  • Transaction History
  • Credit History
  • Account Transaction
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 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 Commercial State Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Commercial State 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 don't share
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes -
information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share
For nonaffiliates to market to you No We don't share

 

Questions? Call 972-449-2283 or go to www.csbpalmer.com

 

What We Do
How does Commercial 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.

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 Commercial State Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • 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. See below for more on your rights under state law.

 

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Commercial State Bank has no affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Commercial State 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.

  • Our joint marketing partners include other financial institutions.

 

Other Important Information

For Texas Customers.  The Commercial State Bank is chartered,licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against Commercial State Bank should contact the Texas Department of Banking through one of the means below:

In Person or by U.S. Mail:

2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;

Telephone No.:

(877) 276-5554

Fax No.: 

(512) 475-1313

E-mail:

consumer.complaints@dob.texas.gov

Website:

www.dob.texas.gov