Privacy Policy

Updated 02/2021

Facts

WHAT DOES THE KARNES COUNTY NATIONAL BANK OF KARNES CITY DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

What?

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 payment history
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

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 The Karnes County National Bank of Karnes City chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The Karnes County National Bank of Karnes City share?

Can you limit this sharing?

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

Yes

No

For our marketing purposes-
to offer our products and services to you

No

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

No

We don't share

For our affiliates’ everyday business purposes-
information about your creditworthiness

No

We don't share

For non-affiliates to market to you

No

We don't share

Questions?

Call 830-780-3317 or go to www.kcnb.com

Who we are

Who is providing this notice?

The Karnes County National Bank of Karnes City
P O Box 98 Karnes City, Texas 78118

What we do

How does The Karnes County National Bank of Karnes City protect my personal information?

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 may ask personal information that only you as an account holder would have knowledge of.

How does The Karnes County National Bank of Karnes City collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money.
  • pay your bills.
  • apply for a loan or use your debit card.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • The Karnes County National Bank of Karnes City has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • The Karnes County National Bank of Karnes City does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • The Karnes County National Bank of Karnes City doesn’t jointly market.

Other important information

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).