Privacy Policy

 Maintenance of Accurate Information:

We endeavor to maintain the most accurate and up-to-date customer records possible.  If you find that your account information is not correct, current, or complete, please contact our customer service department at (432) 523-3440 and appropriate corrections will be made as quickly as possible.  We have procedures in place for updating our customer information as well as removing old information through such measures as:

• Maintaining backup copies of account data in the event of power outages or other business interruptions;
• Using computer virus detection and eradication software on systems containing customer data;
• Installing customer hardware and software and employing other technical means (such as the use of "firewalls") to prevent unauthorized computer entry into systems containing customer identification.

 Employee Access and Use of Customer Information:

We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information.  Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.  Our employees have been trained and understand that customer information is considered private and privileged and is to be used solely for the purpose of providing our customers with the finest service possible.  Breaches of customer privacy are considered serious employee misconduct and may result in disciplinary measures, which may include termination of the employee.

 Protection of Information Via Established Security Procedures:

We safeguard information according to our established security policy and procedures.  In this regard, we have implemented procedures and technological internal controls designed for this purpose and include the following:

• We update and test our technology on a regular basis in order to improve the protection of our customer information;
• When the bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.  Use of this information provided is strictly limited to providing the services we have asked them to perform; and
• We maintain policies about the proper physical security of workplaces and records.  Our physical, electronic, and procedural safeguards comply with federal regulations regarding the protection of customer information.

 Restrictions on the Disclosure of Account Information:

We do not reveal specific nonpublic information about your accounts or other personally identifiable data with unaffiliated parties unless:

• You request or authorize it;
• The information is provided to help complete a transaction initiated by you;
• The information is provided to a reputable credit bureau or similar information reporting agency; or
• The disclosure is otherwise lawfully permitted or required. 

At Commercial State Bank, we respect your personal privacy rights and want you to understand our commitment to privacy in our use of customer information.  As a result of our commitment, we have developed this privacy policy and are committed to providing you a copy of this policy at least annually.  If you have any questions about our policy or the privacy of your information please call customer service at (432) 523-3440.

We do not disclose non-public personal information about our customers or former customers to anyone, except as permitted by law.  

Tips to Help Protect Customer Information

Assistance to Victims of Identity Theft 

If you, our customer, suspect that someone has had unauthorized access to your account with us, or access to your personal identifying information such as your Social Security Number or credit card information, please notify your Commercial State Bank service representative immediately so we can take action to protect you.  In addition, you should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC).  To speak with a trained FTC telephone counselor, call toll-free 1-877-IDTheft (1-877-438-4338).

 COMPLAINTS

 Commercial State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against Commercial State Bank should contact the Texas Department of Banking.

Commercial State Bank also engages in the business of selling travelers checks as an agent for American Express Traveler's Cheques, which company is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below: