At the family of banks and companies affiliated with Citizens Bank of Kansas, N.A., (CB0KS) we know how important personal privacy is to you. Because of our interest in protecting your privacy, we continue to examine the practices of the banks and companies within our corporate family. Personal privacy includes all of the personally identifying information that you provide us online. You may give us Personal Information when you enroll for an account or service, when you use online banking, when you use any of our online planners or financial tools, or when you send us e-mail.
We have described below the circumstances under which we may receive personal information online and our policies to protect your privacy. If you have any questions that are not answered in this section, please send us an e-mail.
Employee Access and Use of Customer Information
Each CBOKS employee is personally responsible for maintaining the confidentiality of customer data. Each Bank employee is required to sign a Confidentiality Agreement upon employment and likewise pledge to continue to observe confidentiality should they leave the service of the bank. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures and special training programs. We take appropriate disciplinary measures to enforce employee privacy responsibilities.
Maintaining Customer Privacy in our Business Relationships
From time to time, CBOKS contracts with outside vendors and other business partners to perform specific services for the bank. When doing so, CBOKS selects business partners and vendors that adhere to similar privacy standards as that of the bank. We expect our business partners and vendors to honor and safeguard any information regarding your privacy and make them sign a confidentiality agreement prior to allowing them to work in areas where they may be exposed to confidential information.
Online Banking
When you bank online with Citizens Bank of Kansas, N.A., CBOKS and our business partners who help us deliver these services to you will have access to your personal information. This information is retained on either our or our partners’ systems in order to provide you with the services you have requested.
Applications
When you apply online for products or services, or when you enroll in online banking, you will be asked for personal information in order to process your application. This information may be retained by the bank and its business partners who help provide you with the product or service.
Planners and Calculators
When you use various calculators, planners or questionnaires on our web site, you may be asked for personal information in order to complete the requested analysis or evaluation. This information may be retained by the provider of the calculator, planner, or questionnaire.
E-mail
When you send us an e-mail, we may retain the content of the e-mail, your e-mail address, and our response in order to handle any follow-up questions you may have. Please note that we will never ask you to send us any personal information via e-mail. Nor should you ever send us, or anyone appearing to be us any sort of personal information via e-mail. It is not a secure means of communication.
Will Citizens Bank of Kansas, N.A. ever solicit my personal information via e-mail?
CBOKS will never request your personal information via e-mail. Any attempt to do so should be considered fraudulent and should be reported, immediately to the bank. You should always make sure you feel confident in submitting your personal information to us through any online method that you choose to submit it to us. Typically our Online Banking forms and applications are the only method which ensure your privacy. E-mail is not secure and should never be used to send personal information.
How does Citizens Bank of Kansas, N.A., use the personal information I provide online?
CBOKS has the highest regard for the privacy of its customers. As a result, we safeguard the privacy of users of our online services just as we do throughout the rest of our business.
CBOKS will use personal information, as appropriate in the normal course of our business, to provide you with the products and services you have requested. We will also use personal information to identify you, to communicate with you, to help us respond to your questions and to understand which products and services will best meet your needs.
Do you sell personal information transmitted online to people outside of Citizens Bank of Kansas, N.A., ?
CBOKS will not sell personal information to a third party for the purpose of solicitation or provide personal information to a third party for its own, independent use. We may, however, share personal information with our business partners in order to deliver products and services you have requested and in order to communicate with you about our products, our services and us.
Can I check my personal information to see if it is correct?
If you have any reason to believe that your personal information retained at CBOKS is incorrect, please call us at 1-620-532-5162. We will investigate the problem and, if appropriate, update the bank’s records.
Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.
Secure Data Transfer
Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Router and Firewall
Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet loan application and check reorder transactions are secure.
