Central State Bank

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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.


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.


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 Central State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your
personal Information
Does Central State Bank
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
For our marketing purposes –
To offer our products and services to you
For joint marketing with other financial companies NONO
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
For our affiliates’ everyday business purposes –
Information about your credit worthiness
For our affiliates to market to youNONO
For nonaffiliates to market to youNONO

Questions? Call (217) 223-0500, toll free at (800) 897-5870 or go to www.csb123.com

Who is providing this notice? Central State Bank
How does Central State Bank 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.
How does Central State Bank collect
my personal information
We collect your personal information, for example, when you:

Open an account or deposit money
Pay your bills or apply for a loan
Use your credit or debit card
Show us your driver’s license
Give us your wage statement

We also collect your personal information from others, such as credit bureaus.
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.
AffiliatesCompanies related by common ownership or control. They can be financial
and nonfinancial companies.

Our affiliates include companies with a common corporate identity of
Central State Bank; financial companies such as Clayton Bancshares Inc.
NonaffiliatesCompanies not related by common ownership or control. They can be
financial and nonfinancial companies (such as insurance agencies).
Joint MarketingA formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

Central State Bank does not jointly market.
Central State Bank Privacy Policy 2023

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