C&N Debit CARD Cardholder Agreement continued
DOES CITIZENS & NORTHERN BANK SHARE?
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION
CAN YOU LIMIT THIS SHARING?
for a balance inquiry even if you do not complete a funds transfer. 4.Debit Card Replacement Fee of $7.50 may be imposed.
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
Fees will be assessed at the time the transaction is processed. The fee for a transfer will be assessed to the account from which the funds are transferred. All other fees will be assessed to the account from which funds are withdrawn or for which an inquiry is made. 8. Record of Transaction - You may receive a printed receipt of each ATM or PURCHASE transaction you perform at the time of the transaction. You will receive a monthly statement from us, unless there are no transfers in a particular month. In any case you will receive a statement at least quarterly. 9. Business Day - For purposes of this disclosure, our business days are Monday thru Friday. Holidays are not included. 10. Visa Check Card Ownership - You understand and agree that the Visa Check Card is the property of the Bank and must be surrendered upon request. You further agree that the Visa Check Card is non-transferable. 11. Visa Check Cards to Minors on Checking Accounts - If minor is enrolled in Teen Step Program they will receive immediate access to perform ATM cash withdrawals. Upon completing the Banzai© Teen Steps program the minor will receive POS access within 7 business days. There is no requirement for a minor to be enrolled in the Teen Step Program. The account owner over 18 may permit or restrict access to ATM and/or POS transactions at any time for minor account owner until the minor reaches age of majority. 11. Amendments To This Agreement - You understand and agree that from time to time the Bank may change or amend the terms of this Agreement. The Bank may do so by notifying you in writing of such amendment or change and your use of your Visa Check Card after the effective date of such amendment or change will indicate your acceptance of and agreement to such amendment or change. PATRIOT ACT DISCLOSURE To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Yes
No
For our marketing purposes— to offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences For our affiliates’ everyday business purposes— information about your creditworthiness
Yes
No
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
Questions? Call 877-838-2517 or go to cnbankpa.com.
WHO WE ARE Who is providing this notice?
Citizens & Northern Bank
WHAT WE DO
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 collect your personal information, for example, when you § Open an account or Apply for a loan § Deposit money or Pay your bills § Use your debit card We also collect personal information from others, such as credit bureaus and other companies. 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. Companies related by common ownership or control. They can be financial and nonfinancial companies. § Our affiliates include financial companies such as Citizens & Northern Financial Services Corp. Companies not related by common ownership or control. They can be financial and nonfinancial companies. § Citizens & Northern Bank does not share with nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. § Citizens & Northern Bank does not jointly market.
How does Citizens & Northern Bank protect my personal information?
How does Citizens & Northern Bank collect my personal information?
Why can’t I limit all sharing?
PRIVACY NOTICE
DEFINITIONS
FACTS
WHAT DOES CITIZENS & NORTHERN BANK DO WITH YOUR PERSONAL INFORMATION?
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. 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 Transaction History § Payment History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. 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 Citizen’s & Northern Bank chooses to share; and whether you can limit this sharing.
Affiliates
WHY?
Nonaffiliates
WHAT?
Joint marketing
HOW?
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