Terms of Use

BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.

We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.

Illegal Use

Unauthorized use of Citizens Bank & Trust�s website and systems including but not limited to unauthorized entry into our Internet Banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.

Website Content

Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.

Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.

This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us at one of our many office locations.

Linked 3rd Party Sites

Citizens Bank & Trust maintains this website to provide you with information about our products and services.  For your convenience, we may also provide links to various third parties websites that may be of interest to you. Citizens Bank & Trust does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site. Linking to other third party sites is at your own risk. The content on linked sites may change without notice.

WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD PARTY SITES.

We suggest that you always verify the information obtained from linked sites before acting upon this information.  Citizens Bank & Trust is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of Citizens Bank & Trust and are not insured by any governmental agency such as the FDIC.

Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely.  If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.

Investment Products

We may provide links to Investment or Securities companies, which offer products such as stocks, bonds, mutual funds, and annuities. This financial institution, its affiliated companies, and/or other unaffiliated third parties may offer these products. Please note that investment products offered through this website:

  • Are NOT Citizens Bank & Trust deposits.
  • Are NOT insured by any governmental agency such as the FDIC.
  • Are NOT obligations of or guaranteed by Citizens Bank & Trust.
  • Involve investment risks, including the possible loss of some or the entire principal amount invested.

Insurance Products

We may also provide links to purchase insurance products. This financial institution, its affiliated companies, and/or other unaffiliated third parties may offer these products. Please note that insurance and annuity products available through this site:

  • Are NOT deposits, obligations of, or guaranteed by Citizens Bank & Trust or any of its affiliates.  
  • Are NOT insured by Citizens Bank & Trust, the FDIC, or any other agency of the United States.
  • Certain insurance products, such as annuities, may have investment risk, including the possible loss of value.
  • The purchase of an insurance product is not a condition to any loan, product or service offered by Citizens Bank & Trust, its affiliates, or nonaffiliated third party.

Use of Information Submitted Through the Website

Any communication or material that you transmit to us through this website or through electronic mail may be used only by Citizens Bank & Trust for the purposes described in our privacy policy.   All information submitted to our website shall be considered and shall remain the property of Citizens Bank & Trust; this information will only be used internally for the purpose intended or as allowed by law.

Citizens Bank & Trust shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this website and Citizens Bank & Trust shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Citizens Bank & Trust responsibilities and obligations to customers in accordance with our privacy policy.

If you need to communicate personal or confidential information, please do not use the email feature on this website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service.

No Warranties

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.

All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided "AS IS", �AS AVAILABLE� to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.

Trademark Notices

All registered and unregistered trademarks are the sole property of their respective owners.  Unauthorized reproduction in whole or part is prohibited.

Copyright Notices

Citizens Bank & Trust owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.

Limitation of Liability

Citizens Bank & Trust will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if Citizens Bank & Trust has been advised of the possibility of such damages.

FURTHERMORE, Citizens Bank & Trust will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. Nor will Citizens Bank & Trust be liable for any other problems you experience due to causes beyond our control.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Citizens Bank & Trust.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of Illinois.

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.

Last Modified: February 3, 2005