SMS Terms & Conditions

Please review these SMS Terms and Conditions carefully. By agreeing to receive text messages from or on behalf of Citizens Savings Bank & Trust Company (“the Bank”), or by otherwise providing your phone number to the Bank, you agree to these SMS Terms and Conditions, as well as the Bank’s SMS Privacy Policy and standard Privacy Policy.

Important Considerations:

Messaging frequency may vary. The Bank will not be liable for any delays or failures in your receipt of any text messages as delivery is subject to effective transmissions from your network operator and processing by your mobile device. You acknowledge that text message services are provided by your network operator on an “AS IS, AS AVAILABLE” basis.

Message and data rates may apply. Please note that the Bank does not charge for text messages. You could, however, be subject to standard messaging and data fees from your carrier. Please refer to your plan details for more information.

If you receive a message asking you to provide or confirm personal details or confidential information, DO NOT REPLY. We would request that you immediately report such message to Citizens Savings Bank & Trust Company by contacting our Branch at (888) 438-5579.

You have the right to opt-out out of receiving SMS messages at any time. To discontinue receiving SMS messages from the Bank, please reply to the SMS message with STOP.

Please contact us at (888) 438-5579 or go to www.bankcbn.com/contact.

SMS Privacy Policy

• We will not share your personal data with any third parties or affiliates for marketing purposes.
• Your mobile opt in information, SMS consent process, and telephone numbers for the purpose of SMS are not shared with any third parties or affiliates for marketing purposes

• When you opt-in to our SMS program, we may collect the following information:
  • Phone number
  • Name
  • Message content
  • Any other information you provide to us through SMS

• We use the information collected to provide customer support
• The Bank may use this information to contact you about any services you may request from us, and to operate and improve our services to you.

• The Bank implements appropriate technical and organizational measures to protect your information from unauthorized access, use, or disclosure

SMS Terms & Conditions and SMS Privacy Policy Consent

By enrolling or agreeing to receive text messages from or on behalf of the Bank, or by otherwise providing your mobile phone number to the Bank, you acknowledge that the Bank may obtain data including, but not limited to, your name, your mobile phone number, your carrier’s name, the date, time, and content of your messages and any other information that you may provide to us through SMS. Bank SMS messages may include Loan Closing date and time, requests for missing documents, reminders, status updates, etc. The Bank may use this information to provide customer support, contact you to provide any services you may request from us, and to operate and improve our services to you. Please note, however, that we do reserve the right to disclose any information as necessary to comply with any law, regulation, or governmental inquiry. You hereby represent that you are the owner or authorized user or subscriber of the phone number and wireless device that you are using to receive text messages from or on behalf of the Bank. You may receive text messages when you apply for, or attempt to use, a Bank product or service, as applicable, or when you contact the Bank.

Please note that the Bank may alter these SMS Terms and Conditions and SMS Privacy Policy from time to time and reserves the right to do so. We may suspend or terminate text message services to you if we believe you are in breach of our SMS Terms and Conditions and SMS Privacy Policy. Text message services are also subject to termination in the event your wireless service terminates or lapses. We may also discontinue text message services at any time.