Privacy
  

PRIVACY STATEMENT

At Carterville State and Savings Bank, the basis of each customer relationship is trust. You have chosen to do business with Carterville State and Savings Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

At Carterville State and Savings Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is key in providing quality service, we recognize that one of our most important assets is our customers' trust. Therefore, the safekeeping of customer information is a high priority for Carterville State and Savings Bank.

Information about consumers is accumulated from a variety of sources. Some information is provided to Carterville State and Savings Bank directly by customers themselves. Other data is developed by Carterville State and Savings Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to conduct our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and lessen potential risks or loss to Carterville State and Savings Bank. We will use information to help identify additional products or services that we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy.

Our intention is to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

At Carterville State and Savings Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Carterville State and Savings Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Carterville State and Savings Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

It is the bank's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matters, unless 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests or permits it; 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator).

Privacy

Privacy refers to protecting the confidentiality of information en route over the Internet. Carterville State and Savings Bank utilizes a secure Web site provided by our vendor, Precision Computer Systems (PCS). Individuals surfing our site with a browser that supports authentication and encryption have the option of utilizing this secure site. Browsers that support the SSL (Secure Sockets Layer) protocol provide the following:

Encryption
Encryption provides privacy for the data flowing on the Internet between your browser and PCS's server. SSL utilizes public key cryptography.
Public Key Cryptography
Public key cryptography is a technique that uses a pair of keys, one public (or distributed) and one private (or confidential), for encryption and decryption. The public key can be distributed using a certificate that verifies the identity of the owner. The private key is kept confidential.

Whenever an account holder accesses this Carterville State and Savings Bank Web site, the session is protected by public key cryptography. To see at a glance if a session is secure, check the key icon at the lower left corner of the Netscape® screen. If it is intact and a blue line appears at the top of the screen, then all messages are secure. If the icon appears as a picture of a broken key, then encryption is not in use and the current session is not secure. If you are using Internet Explorer®, the icon indicating a secure site is a locked padlock in the lower right corner of the screen.

Authentication - SSL protocol allows for the transfer of digitally signed certificates for authentication procedures and provides message integrity, which ensures that the data can't be altered enroute.

Authorization
It is important to verify that only authorized persons log into Carterville State and Savings Bank Internet Banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center. You have three (3) tries to enter your password correctly. If you enter an incorrect password 3 times, your online banking account will be locked until you call us to reinitialize the account. You play a critical role in preventing others from logging on to your account. Never use passwords that are easy to guess. Examples of bad passwords are birth dates, first names, pet names, addresses, phone numbers, social security numbers, etc. Never reveal your password to another person. Your password can be changed periodically if you desire. Contact Carterville State and Savings Bank and we will reset it to the original so that you may change it.

Network Security
While we strongly recommend that you always sign off (log out) when you are finished with your online banking activities, as a security feature Carterville State and Savings Bank Internet Banking will "timeout" after 10 minutes. This is done to prevent others from accessing your accounts in case you have left your PC unattended without logging out. Our main server is not directly connected to the internet and is protected by firewalls. The requests you make via the internet are handled indirectly to further protect your accounts.
 
  
  
NOTICE: Carterville State & Savings Bank- All Rights Reserved. The website of Carterville State & Savings Bank contains links and features that are provided to our customers from outside sources. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful or entertaining. Please read our Privacy Policy and Disclosures. Complete regulatory disclosures containing all terms, features and limitations are available at any branch location or can be obtained by telephone request by calling 618-985-4848.