person using computer

Disclosures

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.

On September 11, 2001, our lives changed forever. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
We proudly support all efforts to protect and maintain the security of our customers and our country.
Respect of Right to Privacy
Commercial Bank respects the privacy of its customers and is committed to protecting their information on our website.

Collection, Retention and Use of Customer Information
We collect, retain and use information about you to service your financial needs and administer our account relationships, to comply with state and federal banking regulations, and to help understand your financial needs in order to design or improve our products and services.

We do not knowingly solicit data from children and we do not knowingly market to children. We recognize that protecting identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Maintenance of Accurate Information
We have established procedures to ensure our customers’ financial information is accurate, current and complete. Customers should notify us immediately at Commercial Bank if they receive information regarding their relationships with us that they believe to be inaccurate. We will investigate your concerns and correct any inaccuracies.

Employee Access
We train, encourage and expect our employees to protect the privacy of information about our customers regardless of what medium is used to fulfill their financial needs. Bank employees are permitted access to the information they need to perform their jobs.

Security Standards
We have established and continually maintain security standards and procedures to help us protect you from unauthorized access to confidential information about you, including the Internet.

Privacy with Outside Third Parties and Restrictions
We will only share information about you and your accounts when necessary. At times, it is necessary to provide personally identifiable information about our customer to a third party, such as a vendor or a service company we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law.

Additional cases where we will share information include:

  • When we are ordered to do so by a subpoena or a court order
  • When we must do so in order to provide a service or complete a transaction you have requested
  • In order to investigate fraud or abuse of our system
  • In order to monitor the system’s performance
We will never sell any information about you.

Use of Our Internet Web Site
Our website does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your email address and any other information your email header shows about you, such as your name or organization, will be revealed to us in the email. We pledge, however, that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions.

A Word About Cookies
We may use “cookies” as part of our interaction with your browser. When you visit our web site, our web page server places a small test title, a “cookie,” on your hard drive to let us know that you have visited our site before. Cookies do no harm to your system, nor read your hard drive, nor can they be used to collect or reveal any personally identifiable information about you that you have not already provided to us. Cookies are used to enable us to provide you with excellent service and a more effective website.

Ensuring Privacy
We are committed to ensuring the privacy of our customers’ personal information. If you have any questions or would like more information, please contact us. Whether it is on the Internet, in person, via telephone or mail, we at Commercial Bank are committed to protecting your privacy. You can rest assured we will continue to provide you with the most up-to-date safeguards possible to ensure the safety of your personal financial information. 

Policy Changes
We reserve the right to change this policy at any time by posting a new privacy policy.
Commercial Bank and Trust Company understands the security of your personal and account information is important to you. To assist us in offering Internet banking services in a secure manner, we use several different types of technology to ensure the confidentiality of your accounts.

Access Codes
An important security measure rests with you. Your transactions are protected by your individual NetTeller ID and NetTeller PIN, assigned initially by Commercial Bank. You will be required to change your PIN upon your initial log on. You should carefully select a password (PIN) that is hard to guess. It is your sole responsibility to control and protect your ID and PIN.

Time Out Feature
To further protect you, a time out feature is used. We will end your NetTeller session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you logged on. We recommend that you always sign off (log out) when you are done with your online banking.

Firewall
Commercial Bank uses a protection measure known as a firewall to protect our computer systems and your information. Firewalls can be thought of as selective barriers that only let authorized traffic (i.e. you, our NetTeller banking customer) through.

Encryption
The privacy of the communications between you (your browser) and our servers is ensured using encryption. Encryption scrambles messages exchanged between your browser and our online banking server. Encryption happens as follows: When you go to the sign-on page for online banking, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol not only ensures privacy, but also ensures that no other browser can “impersonate” your browser, nor alter any of the information sent.

Network Security
The network architecture used to provide the online banking service was designed by the brightest minds in network technology. While the architecture is too complex to explain here, it is important to point out that the banks computers that store your actual account information are not hooked up to the Internet. The requests you make through the Internet are handled by our home banking servers, which retrieve the information you requested from our mainframe via proxy-based firewall servers. These servers act as the go-between you and our mainframe computers.

Additional Measures
New advances in security technology are happening daily, and Commercial Bank is constantly evaluating its security architecture to ensure that it provides the highest level of privacy and safety for bank customers.
In view of the recent increased outpouring of e-mail and Internet-related fraudulent schemes, Commercial Bank and Trust has prepared guidance to assist in helping our customers avoid becoming victims.

Commercial Bank and Trust's web page should never be accessed by a link provided by a third party. It should only be accessed by typing the website name or URL address (http://www.cbtcnet.com) into the web browser (Ex. Internet Explorer, Firefox, etc.) or by using a "bookmark" that directs the Web browser to our Web site.
Commercial Bank and Trust Company will never send e-mail messages that request confidential information, such as account numbers, passwords, or PINs. Commercial Bank customers should promptly report any such requests to the bank by calling (731) 642-3341 or (800) 273-8889.
Commercial Bank and Trust Company is committed to ensuring its website is accessible to all current and potential clients, including those with disabilities. We are working toward a seamless, usable website that will meet the needs of users with visual and/or hearing impairments, deafness, and physical disability. In doing so, we are continually working toward maintaining web pages that comply with W3C WAI’s Web Content Accessibility Guidelines 2.0, Level AA standards. While our efforts are to ensure accessibility, we are not responsible for third-party- provided web content such as links to outside sites. As we continually strive for a usable site, we welcome feedback you can provide in terms of accessibility.