PRIVACY POLICY

Curtis State Bank does not disclose any nonpublic personal information about our customers to anyone, except as permitted by law. We physically, electronically, and procedurally protect and safeguard, to federal standards, our customers’ nonpublic personal information. We do not release information about former customers, except as permitted by law.

Nonpublic personal information is information that we have collected in order to provide a service or product to you. This does not include information that is available from public sources, such as government records or telephone directories. It does include:

Information we receive from you on applications or other forms
Information about your accounts with us
Information about your transactions with others
Information from a consumer reporting agency

Curtis State Bank considers customers as those that maintain the following:

Deposit Account
Loan Account
Safe Deposit Box
Self-directed Individual Retirement Account

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FUNDS AVAILABILITY POLICY

Our policy is to make funds from your deposits immediately available to you at the time we receive your deposits. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

All deposits made to an Automated Teller Machine (ATM) will be subject to a waiting period of two business days before those funds are available to you. You will still be able to access funds that were available prior to the ATM deposit.

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 PM or on a day we are not open, we will consider that the deposit was made on the next business day.

Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If you have questions, be sure and ask us.

Longer delays may apply

In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the type of check that you deposit, funds may not be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid,
You deposit checks total more than $5,000 on any one day,
You redeposit a check that has been returned unpaid,
You have overdrawn your account repeatedly in the last six months,
There is an emergency such as a loss of electricity or failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the 11^th business day after the day of deposit.

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