Your relationship with us is important and we know that respect for your privacy is the very foundation of that relationship. Since our company was founded, we have built a relationship based on trust. Advances in technology have made safeguarding private information all the more important. Along with our promise to provide you financial services, we promise to safeguard the information you share with us.


This notice tells you important information. It describes Citizens National Bank’s privacy policy including how we collect, use and safeguard customer information.

Keeping You Up To Date

We will provide you with a copy of our privacy notice at account opening and when we make material changes. If you have any questions about our privacy notice , please contact us.

Children’s Online Privacy Protection Act (COPPA)

The Federal Trade Commission’s Children’s Online Privacy Protection Act of 1998 (COPPA) requires that Web Sites are to obtain parental consent before collecting, using, or disclosing personal information from children under 13. If you are below 13 then you can NOT use this forum. Do NOT register if you are below the age of 13.

Contacting Citizens National Bank about this Web Site
Citizens National Bank
1 Carnegie
Brownwood, Texas 76801
Phone: (325) 643-3545
Email: ibdept@cnb-brownwood.com

Electronic mail is not necessarily secure. You should be very cautious when sending electronic mail containing sensitive, confidential information. As an alternative, you should consider sending it by postal mail.


Please be advised that Citizens National Bank will never request confidential information through an e-mail request. If you receive any such e-mail, please contact us at the number or email listed above.

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 CNB choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does CNB 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 We don't share
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 nonaffiliates to market to you No We don't share
Who we are
Who is providing this notice? CNB
What we do
How does CNB 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 CNB collect my personal information? We collect your personal information, for example, when you
  • Open an account or use your credit or debit card
  • Deposit Money or give us your contact information
  • Apply for a loan
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.
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • CNB has no affliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • CNB 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.
  • CNB doesn't jointly market.
Other Important Information

Citizens National Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory
oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against CNB should contact
the Texas Department of Banking through one of the means indicated below:
* In person or US Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
* Telephone No. 877-276-5554
* Fax No. 512-475-1313
* E-mail: consumer.complaints@dob.texas.gov
* Website: www.dob.texas.gov