Privacy Notice

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 transactions and account balances
• Transaction history and payment history

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 Centier Bank chooses to share; and whether you can 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

Yes

No

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 credit worthiness

No

We don’t share

No

We don’t share

No

We don’t share

Centier Bank, an Indiana state-chartered bank which is providing the Billinero® service.

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 collect your personal information, for example, when you

• open an account
• make deposits or withdrawals from your account or use your debit card
• give us your income information or provide employment information

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

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.

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

• Centier Bank does not share with our affiliates.

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

• Centier Bank does not share with nonaffiliates so that they can market you.

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

• Centier Bank doesn’t jointly market.