Privacy Policy

What Does Charlevoix State Bank Do With Your Personal Information?

Rev. Date 03/26/2020

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 income;
  • Account balances and payment history;
  • Credit history and credit scores.
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 Charlevoix State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Charlevoix 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 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		 No We do not share
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 (231)547-4411 or go to www.charlevoixstatebank.com
Who we are
Who is providing this notice? Charlevoix State Bank
111 State Street
Charlevoix, MI 49720
What We Do
How does Charlevoix 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 restrict access to information about you to those employees who need to know in order to provide products and services to you.
How does Charlevoix State Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit money;
  • Pay your bills or apply for a loan; or
  • Use your credit or debit card.
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 non-affiliates 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. Charlevoix State Bank has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Charlevoix 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. Charlevoix State Bank does not jointly market.