Privacy Policy


We, our, and us, when used in this notice, mean Citizens National Bank.  When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

Deposit Accounts
Loan Accounts
Safe Deposit Box

We will tell you the sources of the information we collect about you.  We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic Personal Information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic Personal Information does not include information that is available from public sources, such as telephone directories or government records.

An Affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. 

Ownership does not mean complete ownership, but means owning enough to have control.

A Nonaffiliated Third Party is a person we do not employ or a company that is not an affiliate of ours.  This is also known as nonaffiliated third party, or simply, an "other party."

The Information We Collect

We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive as a result of verifying customer information

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards to protect this information.

Nonpublic Personal Information and Affiliates

We may disclose information about you to our affiliates.  Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:


Federal law allows us to disclose the information listed above with one affiliates.

Reasons for Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

Nonpublic Personal Information and Nonaffiliated Third Parties

We will not disclose nonpublic personal information about you to anyone except as disclosed in the policy or as permitted by law.



NOTICE: The information contained in this site is provided for general guidelines on several subjects of interest for the user. User should be aware that laws, regulations and standards can vary and the information on this site should not be used as professional advice or services. A qualified professional should be consulted regarding user's own situation before any decision making. Citizens National Bank is not responsible for any actions taken by users. Use of this information is at user's own risk. Each user has a special or unique need or situation that should always be addressed by a professional who understands that need or situation. The information contained in this site is presented "as is" and Citizens National Bank does not guarantee that the information contained herein is accurate, complete or timely. Citizens National Bank will not be liable for any action, risk, loss, damages, whether direct or indirect, from use of the information contained in this site. This site is provided for informational use only. Our website contains links and features that are provided to our customers from outside sources. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful. The user must be aware that there is a great amount of information and opinion to be considered by anyone looking after their financial situation. No two situations are alike. The most useful advice is that which is provided for a specific and individual set of circumstances.