Consumers National Bank Privacy

Privacy Policy

FACTS

WHAT DOES CONSUMERS BANCORP, INC. 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 and income
  • assets and account balances
  • credit history and payment 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 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 Consumers Bancorp, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Consumers Bancorp, Inc. 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

Yes

No

For joint marketing with other financial companies

Yes

No

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

Yes

No

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

No

We don't share

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don't share

To limit our sharing

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 800-948-1262 or go to www.consumers.bank

Who we are

Who is providing this notice?

Consumers Bancorp, Inc., Consumers National Bank, CNB Insurance Services

What We do

How does Consumers Bancorp, Inc. 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 your personal and account information to those employees who "need to know" that information to provide products or services to you.

How does Consumers Bancorp, Inc. collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • use your credit or debit card or pay your bills
  • apply for insurance

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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

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

Our affiliates include Consumers Bancorp, Inc., Consumers National Bank, CNB Insurance Services; and financial companies such as banks, insurance agencies, and investment companies.

Nonaffiliates

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

Consumers 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.

Nonaffiliates we share with can include companies that perform marketing services on our behalf such as credit card companies or to other financial institutions with which we have joint marketing agreements so that we may offer you enhanced products and services.

Other important information

State Disclosures

In addition to your rights described below and in this notice, you may have other rights under state laws. We will comply with applicable state laws with respect to our information practices.
Important information for Ohio residents that apply for or obtain an insurance product for personal, family, or household purposes from a Consumers insurance agency – We may collect personal information from sources other than the persons proposed for insurance coverage (see, for example, the "How does Consumers Bancorp, Inc. collect my personal information?" section in the "What we do" section above). We may also disclose that information, as well as other personal or privileged information subsequently collected, to third parties outside of Consumers without your authorization to the extent disclosure is permitted by law. Ohio law provides a right to review and correct personal information that Consumers collects about you. To receive a more detailed description of our information practices, please write to us at: Consumers National Bank, Ohio Insurance Information Practices, PO Box 256, Minerva, Ohio 44657.

Affiliates Providing this Notice

• Consumers National Bank (deposits, loans, debit cards, and other banking services) • CNB Insurance Services (insurance)

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